Clause database · Banks, cards, and credit bureaus
Synchrony Bank
AEO, Inc. Credit Card Account Agreement
As captured on ; terms may have changed since.
Reviewed fields
For each field: the reviewer's category, then the words of the captured document. Where the category is silent, no provision on that field was extracted from the captured text, and nothing is quoted. Every category, with its count, is listed on the data page.
Delegation clause (who decides whether the clause is enforceable)
Reviewed category: to-court-but-whole-contract-to-arbitrator
Only a court will decide disputes about the validity, enforceability, coverage or scope of this Arbitration section or any part thereof. However, any dispute that concerns the validity or enforceability of the Agreement as a whole is for the arbitrator to decide.
Company’s fee promise
Reviewed category: hardship-or-request-conditioned
If you ask, we will pay all the fees the administrator or arbitrator charges if you cannot obtain a waiver of fees from the administrator and are acting in good faith. We will pay arbitration costs required by the administrator's rules or that are necessary for this Arbitration section to be enforced. Notwithstanding the foregoing, you will be required to advance half of all administrative fees and arbitrator's fees (and to be responsible for payment of such fees to the extent not advanced) if you pursue arbitration as part of a group of similar arbitrations, or if you otherwise seek to participate in a mass arbitration proceeding.
Fee or cost shifting against the consumer
Reviewed category: consumer-advances-half-of-fees-in-mass-arbitration
you will be required to advance half of all administrative fees and arbitrator’s fees (and to be responsible for payment of such fees to the extent not advanced) if you pursue arbitration as part of a group of similar arbitrations, or if you otherwise seek to participate in a mass arbitration proceeding.
Pre-filing requirement
Reviewed category: notice-only-no-waiting-period
The party who wants to arbitrate must notify the other party in writing.
Mass-arbitration terms
Reviewed category: mass-filing-fee-terms
Notwithstanding the foregoing, you will be required to advance half of all administrative fees and arbitrator's fees (and to be responsible for payment of such fees to the extent not advanced) if you pursue arbitration as part of a group of similar arbitrations, or if you otherwise seek to participate in a mass arbitration proceeding. If an arbitration already in process is later determined to be part of a mass arbitration proceeding, we shall have the right to request that the arbitrator order you to reimburse us for fees already paid or advanced.
Small-claims carve-out
Reviewed category: available-standard-carve-out
we will not require you to arbitrate any individual case in small claims court or your state’s equivalent court, so long as it remains an individual case in that court
Opt-out
Reviewed category: general-with-window
To reject this section, send us a notice within 45 days after you open your account or we first provided you with your right to reject this section.
Unilateral modification
Reviewed category: supersedes-prior-arbitration-agreement
If you don't reject this Arbitration section, it will be effective as of the date of the Agreement and will supersede any prior arbitration agreement between you and us that would otherwise be applicable.
Scope
Reviewed category: reaches-debt-buyers-and-collectors
or any assignee, agent, or service provider of ours that collects amounts due on your account are intended beneficiaries of this Arbitration section
Confidentiality of the arbitration
Reviewed category: no-preclusive-effect-clause
The arbitration award and any judgment confirming it will apply only to the specific case and cannot be used in any other case except to enforce the award.
Shortened limitations period
Reviewed category: expressly-not-shortened
The arbitrator will apply the same statutes of limitation and privileges that a court would apply if the matter were pending in court.
Severability if the class waiver is struck
Reviewed category: whole-clause-void-if-class-waiver-struck
First, if a determination is made that the “No Class Actions” provision is unenforceable, and that determination is not reversed on appeal, then this Arbitration section shall be void in its entirety.
Counsel or representation restrictions
Reviewed category: no-agent-opt-out
The notice must include your name, address, account number, and personal signature, and must be mailed to Synchrony Bank, P.O. Box 71734, Philadelphia, PA 19176-1734. This is the only way you can reject this section.
Mass-arbitration numeric trigger
Reviewed category: provider-rules-deferral
you will be required to advance half of all administrative fees and arbitrator’s fees (and to be responsible for payment of such fees to the extent not advanced) if you pursue arbitration as part of a group of similar arbitrations, or if you otherwise seek to participate in a mass arbitration proceeding.
Other documents in this corporate family
- CareCredit — CARECREDIT CREDIT CARD ACCOUNT AGREEMENT