THE TRAVELERS CHEQUE CARD FROM AMERICAN EXPRESS CARDHOLDERS AGREEMENT (UNITED STATES VERSION)
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RELOADING THE CARD
You may reload your Card by charging amounts ("Reloads") to your Associated Account. Cash reloads are not permitted. To request a Reload, you must call the Customer Service Number. A minimum reload amount of $100, £50 or €100 applies and you may only reload in increments of $50, £50 or €50. You will be charged a $5 fee for each Reload. You may not Reload more than $2750, £1500 or €2200 on your Card, together with any other Additional Cards, in any fourteen (14) day period. We reserve the right to decline any Reload at our sole discretion. Reload amounts will usually be available within twenty-four (24) hours from the time you communicate your Reload instructions to us and we have accepted those instructions. However, under some circumstances the funds may not be available until the next business day.
You may register up to two (2) additional individuals per Card and per Additional Card that are authorized to contact us to load funds onto your Card or Additional Cards (each an "Additional Reloader"). An Additional Reloader must be at least eighteen (18) years old, and must be someone other than a Cardholder. You must provide us with the full name of the Additional Reloader and the individual's relationship to the primary or Additional Cardholder. You must provide the Additional Reloader with the name of the primary or Additional Cardholder, the Card or Additional Card number, and the Customer Service Number. You agree to inform the Additional Reloader that loading funds onto a Card or an Additional Card is a nonrefundable transaction. When the Additional Reloader contacts us to load funds onto your Card or an Additional Card, we will require the Additional Reloader to verify his or her name, the primary or Additional Cardholder's name and the Card or Additional Card number. This information needs to match the information you provided to us during the Additional Reloader registration process. You acknowledge and agree that you remain responsible for Shortages (defined below), together with any applicable fees or charges, on your Card and Additional Cards even if an Additional Reloader loaded funds onto your Card or Additional Cards. In our sole discretion, and without notice to you or the Additional Reloader, we reserve the right to limit an Additional Reloader's ability to load funds onto your Card or Additional Cards. TRANSACTIONS IN EXCESS OF AVAILABLE FUNDS
If you attempt to use the Card when there are insufficient Available Funds for the particular transaction (e.g., $100 purchase when your Card only has $75 in Available Funds), the transaction usually will be declined. However, if due to a systems malfunction or for any reason whatsoever, a transaction occurs despite insufficient Available Funds on the Card (creating a negative amount on the Card, referred to herein as a "Shortage"), you agree that we may immediately charge the amount of the Shortage to your Associated Account. In addition, we reserve the right to charge you a fee of $15, £9 or €13 per transaction whenever you either create or increase the Shortages on your Card. You agree that we may contact you or bill you for any such amount, and you also agree that we may, at our discretion, offset any such amount against (i) any Available Funds which may thereafter exist on the Card, (ii) any Available Funds that may exist on any Additional Cards you ordered, or (iii) any credit balances that may exist on any other American Express credit or charge card product in your name. Subject to applicable law, we may pursue our costs of collecting any Shortage from you. In the event that a Shortage, or any other amounts due here under, remains due and owing to us for more than ninety (90) days despite our written request for payment, you agree that we shall be entitled to exchange information about you and/or your use of the Card with consumer reporting agencies which information they may share with other organizations in connection with assessing applications from you or members of your household for credit or for preventing fraud or tracing debtors.
FEES
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