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In some cases, it may take up to six weeks to complete a balance transfer.

Changes to some terms may require 45 days advance notice, and we will tell you in the notice if you have the right to reject a change.

We cannot change certain terms during the first year of your Card Membership.

Notice to California Residents: An Applicant, if married, may apply for a separate account.

Cash advance at ATMs: We may issue you a Personal Identification Number (PIN) to use to obtain cash advances at participating ATMs.


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