OceanPay® MasterCard® Prepaid Card Terms and Conditions

Last modified: 3 July 2015

IMPORTANT INFORMATION: Please read this Agreement carefully before activating your Account. By activating your Account and/or using your card you are demonstrating your agreement to these terms and conditions.

1. Definitions

   Account

   The electronic money account associated with your Card.

   Agent

   Any company, institution or other body authorized by us to process applications for the Card.

   Agreement

   These terms and conditions relating to the use of your Card(s) as amended from time to time.

   ATM

   Automatic teller machine, cashpoint facility or cash dispenser.

   Available Balance

   The value of unspent funds loaded onto your Account and available to use.

   Business Day

   Monday to Friday, 9am to 5pm CET, excluding bank and public holidays in Gibraltar.

   Card

   The prepaid card issued to you to be used in accordance with this Agreement including Companion Cards.

   Companion Card

   Any additional Card which is issued to a person any time after the successful registration of an Account.

   Companion Cardholder

   A person who you have authorised to hold an additional Card.

   Customer Services

   The contact centre for dealing with queries about your Card and Account. You can contact Customer Services by:

   1. calling +1-866-431-8983 or +1-404-855-2532 (your network provider may charge a fee for calling this number);
   2. visiting www.oceanpay.com/celestyalcruises and submitting a support ticket via secure email; or
   3. writing to Brightwell Payments, Inc., P.O. Box 724026, Atlanta, Georgia 31139 USA.

   EEA

   European Economic Area.

   Fee

   Any fee payable by you as referenced in the Fees & Limits Schedule.

   Fees & Limits Schedule

   The schedule contained in this Agreement.

   Instant Card

   A Card that can be used subject to the lower specified Instant Card limits on loading, Transactions and redemption as set out in the Fees & Limits Schedule.

   KYC

   Our confirmation of your personal identity and address by conducting electronic verification of your details or by your provision of relevant identity documents.

   Merchant

   A retailer or any other person that accepts e-money.

   Online Account

   The area on the Website that allows you to access your Account and carry out the functions specified in clause 9.1.

   Personalised Card

   A Card that can be used subject to the higher specified Instant Card limits on loading, Transactions and redemption as set out in the Fees & Limits Schedule.

   Personal Details

   The registered personal identity details relating to the use of your Card and Online Account including (but not limited to) your: name, date of birth, home address, email address and telephone (landline and/or mobile) number.

   PIN

   Personal Identification Number i.e. the security number provided for use with your Card.

   Primary Card

   The first Card issued to you in response to registration of your Account in accordance with this Agreement.

   Primary Cardholder

   The person who has been issued with the Primary Card and who is responsible for the use of all other Companion Cards in accordance with this Agreement.

   Program Manager

   Brightwell Payments Inc., P.O. Box 724026, Atlanta, Georgia 31139 USA.

   Schemes

   MasterCard or Visa as applicable and as shown on your Card; MasterCard is a registered trademark of MasterCard International Incorporated. Visa is a registered trademark of Visa International.

   Transaction

   Using your Card to make (i) a payment, or a purchase of goods or services from a Merchant where payment is made (in whole or in part) by use of your Card including where payment is made over the internet, by phone or mail order or (ii) a cash withdrawal made from an ATM or bank using your Card.

   Username and Password

   A set of personal codes selected by you in order to access your Online Account.

   Website

   www.oceanpay.com/celestyalcruises

   we, us or our

   Transact Payments Limited a company incorporated in Gibraltar with registered address 57/63 Line Wall Road, Gibraltar and company registration number 108217 and authorised by the Gibraltar Financial Services Commission as an electronic money institution or the Program Manager acting on our behalf.

   you or your

   The person or persons who have received a Card and are authorised to use it in accordance with this Agreement.

2. Your Agreement, Card and Account

   1. The Card is a payroll card which allows your employer to deposit your salary into your Account.
   2. Your Card is issued by us pursuant to a licence from the Scheme and your rights and obligations relating to the use of the Card are subject to this Agreement.
   3. Your Card is an e-money product; it is not a credit, charge or debit card or connected in any way to your bank account.

3. Purchase and activation of your Card

   1. To apply for, and use a Card you must be at least 18 years old.
   2. Upon your authorization, your employer will provide your KYC information and Personal Details to Program Manager to apply for a Card. We may ask to see the evidence your employer holds to evidence your Personal Details. We may require documentary evidence to prove this and/or we may carry out checks on you electronically. Such evidence may be provided on your behalf by your employer.
   3. Regardless of the type of Card(s) you have, you will have only one Account where your Available Balance is located.
   4. When you receive your Card, you must sign it immediately and then call the number on the activation sticker or visit the Website to activate it. You may be asked supply us with your Personal Details and requisite KYC information and/or documents (which we shall record and store in accordance with applicable legislation) in accordance with the Fees and Limits Schedule.
   5. Provided we have been able to verify your KYC information and Personal Details, you shall be allowed to activate the Card and thereafter, use the Card.

4. Personal Details

   1. If you enter into Transactions over the internet, some websites may require you to enter your Personal Details and in such instances you should supply the most recent Personal Details that you have provided us with.
   2. You must notify us of any change in your Personal Details as soon as possible by contacting Customer Services or updating the details in your Online Account. You will be liable for any loss that directly results from any failure to notify us of a change in your Personal Details as a result of undue delay, your gross negligence or fraud. We will need to verify your new Personal Details and may request relevant KYC information/documents from you as applicable.
   3. We reserve the right at any time to satisfy ourselves as to your Personal Details (for example, by requesting relevant original documents) including for the purposes of preventing fraud and/or money laundering. In addition, at the time of your application or at any time in the future, in connection with your Account, you authorise us to undertake electronic identity verification checks on you either directly or using relevant third parties.

5. Loading your Card

   1. Your employer or the Program Manager will load funds to your Card.
   2. Funds cannot be loaded by you or accepted from any other source and we reserve the right to refuse to accept any particular loading transaction.
   3. Once we have received a request to load the card, funds will be processed without delay and will normally be available for use no later than 1 Business Day after receipt of the payment order.
   4. Subject to the payment of a Fee, you may transfer a maximum amount of $1,020 or €1,020 of your Available Balance from your Card/Account to other Cards/Accounts that may be held with us.

6. Using your Card

   1. Your use of the Card is subject to the applicable Fees detailed in the Fees & Limits Schedule, which shall be deducted from the Available Balance.
   2. You can use the Card at any Merchant who accepts the applicable Scheme to (where permitted by your Card-type) make purchases in-store, via the internet or over the phone and to withdraw cash from ATMs and banks who agree to provide this service (subject to any additional fees that such ATM operators or banks may charge), unless we inform you otherwise.
   3. You must always ensure that you have sufficient Available Balance for each Transaction you authorise (including value added tax and other taxes, duties and applicable fees). If the Available Balance is insufficient to pay for a Transaction, some Merchants may not permit you to combine the use of your Card with other payment methods.
   4. If for any reason a Transaction is carried out but its amount exceeds the Available Balance, you must pay us the deficit immediately, and if you fail to do so after receiving an invoice from us, we reserve the right to take all necessary steps, including legal action, to recover this deficit.
   5. There are certain circumstances where a Merchant may require you to have an Available Balance greater than the value of the Transaction you wish to make. You will only be charged for the actual and final value of the Transaction you make. Merchants request this as they may need to access more funds than you initially planned to spend. For example, when making hotel or rental car reservations. In the event that a Merchant has prior authorization on your Card, you will not have access to the relevant funds until the Transaction is completed or, if sooner, up to a period of 30 days.
   6. If you use your Card at a restaurant, a hotel, for a car rental purchase, or for similar purchases, the Merchant may preauthorise the Transaction amount for the purchase amount plus up to 20% or more to ensure there are sufficient funds available to cover tips or incidental expenses incurred. Any preauthorisation amount will place a "hold" on your Available Balance until the Merchant sends us the final payment amount of your purchase. Once the final payment amount is received, the preauthorisation amount on hold will be removed. It may take up to thirty (30) days for the hold to be removed. During the hold period, you will not have access to the preauthorised amount.
   7. Your Card cannot be used where such Merchants are unable to obtain online authorisation that you have sufficient Available Balance for the Transaction (for example, Transactions made on trains, ships, some in-flight purchases and tollbooths. We accept no liability if a Merchant refuses to accept payment using the Card.
   8. You must not use the Card for:
      • pre-authorised regular payments; or
      • Transactions at self-service petrol pumps;
      • any illegal purposes.

7. Authorising Transactions

   1. You will need to authorise each Transaction so that we can check it is genuine by, where applicable, a) using your PIN or other security code personal to you; b) signing a sales voucher; c) providing the Card details and/or providing any other details requested; or d) making a cash advance request at a bank counter.
   2. The time of receipt of a Transaction order is when we receive it. If a Transaction order is received after 4pm on a Business Day then it will be deemed to have been received on the next Business day.
   3. Once a Transaction has been authorised by you, it cannot be revoked. Within the EEA, we shall ensure the cash transfer to the Merchant's payment service provider within 1 Business Day following the day on which the Transaction order is received or within 4 Business Days if the Transaction is in a currency other than Sterling or Euro. This condition 7.3 only applies if a Merchant's payment service provider is located within the EEA and the payment services being carried out are in the currency of an EEA Member State.
   4. Your ability to use or access the Card may occasionally be interrupted, for example if we need to carry out maintenance on our systems or websites. Please contact Customer Services to notify us of any problems you are experiencing using your Card or Account and we will endeavour to resolve any problem.
   Companion Cards

8. Companion Cards

   1. At our sole discretion, you may be eligible to apply for up to 3 Companion Cards connected directly to your Online Account, for use by Companion Cardholders by submitting a request at the Website.
   2. Companion Cardholders must be at least 18 years old or, provided that you are legally responsible for them, at least 13 years old. Transactions by persons under 18 years of age may not be allowed by some Merchants but in all cases, you shall be responsible for any use of any Companion Cards by such persons. We shall request KYC for each Companion Cardholder as required.
   3. If your Companion Card application is successful, we will send you a Companion Card, which will be subject to a Fee and which you may give to the nominated Companion Cardholder for their exclusive use, provided that:
      1. you provide the Companion Cardholder with a copy of these terms and conditions (which will then bind use by both of you);
      2. the Companion Card is used only by that Companion Cardholder;
      3. you retain the Primary Card for your sole and exclusive use in accordance with this Agreement;
      4. all Transactions made on the Companion Card shall be considered as having been authorised directly by the Primary Cardholder, who shall be responsible for such Transactions and any applicable Fees.
   4. Funds cannot be loaded directly on to any Companion Cards, which will be connected to the same Account as the Primary Card. The Account may only be loaded by Primary Cardholder in accordance with condition 4.
   5. You must ensure that any Companion Cardholders under 18 years of age do not use a Card for any purpose for which the minimum age is at least 18 e.g. purchase of alcohol, adult entertainment or gambling.

9. Managing & Protecting Your Account and Card

   1. You will select a PIN at the time you activate your Card via telephone or at the Website. You will need this PIN in order to make cash withdrawals from an ATM or at a bank.
   2. If you forget your PIN, you should go to the Website and select the "Customer Support/Service" link. You can also call Customer Services at the phone number listed on the back of your Card and a representative will assist you. Your replacement PIN will be set by a representative if by phone or by you if by Website. If you enter an incorrect PIN three times, your Card will be restricted until you contact Customer Services.
   3. Once you have received your Card, you may access your Online Account on the Website, where you will be prompted to create a Username and Password. You will need this Username and Password to access your Online Account and perform the following functions in relation to your Card:
      1. check or change your registered details (i.e. address, email address, telephone number);
      2. check your Available Balance;
      3. check your Transaction details;
      4. request an upgrade or Companion Card (where available);
      5. report your Card as lost or stolen;
      6. change your Username and/or Password.
   4. We recommend that you check your Online Account and Transaction history on a regular basis as they are updated continuously.
   5. Other than in relation to a Cardholder, you must not give your Card to any other person or allow any other person to use it. You are responsible for your Card, PIN, Online Account and any related security details and must take all reasonable measures to keep them safe and entirely confidential.
   6. You are responsible for your Account, Card, PIN, Online Account and any related security details and must take all possible measures to keep them safe and entirely confidential. Such measures include:
      1. memorising your PIN as soon as you receive it, and destroying the letter or other authorised communication used to transmit it to you;
      2. never writing your PIN on your Card or on anything you usually keep with your Card;
      3. keeping your PIN secret at all times for example, by not using your PIN if anyone else is watching;
      4. not disclosing your PIN to any person, except that you may disclose the PIN orally (but not in writing) to a Companion Cardholder.
   7. Failure to comply with this condition 9 may affect your ability to claim any losses in the event that we can show that you have intentionally failed to keep the information safe or you have acted fraudulently, with undue delay or with gross negligence. In all other circumstances your maximum liability shall be as set out below at clause 13.
   8. If you believe that someone else knows your Online Account, PIN or Card security details, you must contact Customer Services immediately.
   9. Once your Card has expired or if it is found after you have reported it as lost or stolen you must destroy it by cutting it in two through the magnetic strip.

10. Cancellation

    1. If you change your mind about having the Card, you may cancel it at any time by contacting Customer Services. We will refund any balance remaining on the card to you (in the same currency as that of your Card).
    2. You may terminate your Card at any time by contacting Customer Services and exercising your redemption rights under clause Error! Reference source not found. You will not be charged for cancelling your card but a redemption Fee may apply if you choose to redeem all of your Available Balance.
    3. Once we have received all necessary information from you and/or your employer (including KYC) and all Transactions and applicable fees and charges have been processed and deducted, we will refund any Available Balance to you provided that:
       1. you have not acted fraudulently or with gross negligence or in such a way as to give rise to reasonable suspicion of fraud or gross negligence; and
       2. we are not required to withhold your Available Balance by law or regulation, or at the request of the police, a court or any regulatory authority.
    4. Once your Card and Account have been cancelled, it will be your responsibility to destroy your Card(s).
    5. If, following reimbursement of your Available Balance, any further Transactions are found to have been made or charges or fees incurred using the Card(s) or we receive a reversal of any prior funding Transaction, we will notify you of the amount and you must immediately repay to us such amount on demand.

11. Expiry & Redemption

    1. Your Card's expiry date is printed on the Card and you must not use it after this date. Once your Card has expired and unless you have been issued a replacement, your Available Balance (if any) shall be available for use on your Virtual Card (which shall be created automatically if you do not already have one).
    2. If a Card expires before your Available Balance is exhausted, your employer will make arrangements for your card to be replaced. If you are no longer on-board at the time your card expires, go to the Website and select the "Customer Support" link or call Customer Services to request a refund (in accordance with condition 11.3 below) or a replacement Card to be sent to you at your home address (which may be subject to a fee).
    3. Notwithstanding any expiry date, you can terminate this Agreement at any time and your funds are available for redemption by contacting Customer Services at any time. When we process your redemption request, we may require you to provide us with KYC information and/or documents in order to verify your Personal Details in accordance with legal requirements. We will charge a redemption Fee if you request redemption of all your Available Balance before expiry of this Agreement (i.e. before the Expiry Date on your Card).
    4. Companion Cards will expire on the same date as the related Primary Card but only a replacement Primary Card will be issued in accordance with clause Error! Reference source not found. You may apply for replacement Companion Cards in accordance with clause 8.
    5. We shall have the absolute right to set-off, transfer, or apply sums held in your Account or Cards in or towards satisfaction of all or any liabilities and fees owed to us that have not been paid or satisfied when due.

12. Termination or Suspension of your Card and Account

    1. We may terminate this agreement at any time:
       1. by giving you two month's advance notice (provided that you have provided us with an up-to-date email address);
       2. with immediate effect if:
          1. we discover any of the information that you provided to us when you applied for the Card was incorrect or false; or
          2. you have breached this Agreement or we have reason to believe that you have used, or intend to use the Card in a grossly negligent manner or for fraudulent or other unlawful purposes or if we cannot process your Transactions due to the actions of third parties.
    2. We can suspend your Card at any time with immediate effect (and until your default has been remedied or the Agreement terminated) if:
       1. we discover any of the information that you provided to us when you applied for your Card was incorrect; or
       2. a Transaction has been declined because of a lack of Available Balance; or
       3. you have breached this Agreement or we have reason to believe that you have used, or intend to use the Card in a grossly negligent manner or for fraudulent or other unlawful purposes or if we cannot process your Transactions due to the actions of third parties.
    3. n the event that we do suspend or terminate your Card then, where lawfully permitted, we shall notify you in advance or as soon as possible afterwards. We may advise anyone involved in the Transaction if a suspension has taken place.

13. Loss or Theft of your Card

    1. You are responsible for protecting your Card as if it were cash in your wallet – if it is lost or stolen, you may lose some or all of the money on your Card. In the same way as if you lost your wallet unless you contact us as specified in this clause.
    2. You must contact us without delay by calling Customer Services if you know or suspect that a Card is lost or stolen or that the PIN or any Card related security details is known to an unauthorised person or you think a Transaction has been incorrectly executed.
    3. You shall be liable for up to a maximum of £50 of losses due to unauthorised Transactions made before you informed us about the theft or loss of the Card. If our investigations reveal that you authorised a disputed Transaction or that you acted fraudulently or negligently (for example, by not keeping your Card or PIN safe), you may be liable for any loss we suffer due to use of the Card.
    4. Once a loss or theft is reported, use of the Card shall be blocked to avoid further losses.
    5. Replacement Cards will be sent to the most recent address you have provided and will be subject to a Fee.
    6. You agree to cooperate with our agents, any supervisory authority, the police and us if your Card is lost, stolen or if we suspect fraudulent use of the Card.
    7. We will refund the amount of any unauthorised or incorrectly executed Transaction immediately unless we have any reason to believe that the incident may have been caused by a breach of this Agreement, through gross negligence or we have reasonable grounds to suspect fraud.

14. Payment Disputes

    1. If you dispute a Transaction that you have authorised and which has been processed on your Card, you should settle this with the person you bought the goods or services from; we are not responsible for the quality, safety, legality or any other aspect of goods or services purchased with your Card.
    2. If your dispute with a Merchant relating to a Transaction cannot be resolved you should contact us at Customer Services, and we will attempt to assist you as far as is reasonably practicable and may charge you a Chargeback Processing Fee.
    3. If you have reason to believe that a Transaction for which your Card was used was unauthorised or allocated to your Account in error, you may ask us to investigate the Transaction. If we investigate the Transaction, the disputed amount will be unavailable to spend until our investigation is complete and if we receive information that proves the Transaction was genuine, this will be deducted from your Available Balance and we may charge you an investigation Fee. If you do not have sufficient Available Balance, you must repay us the amount immediately on demand.
    4. Where you have agreed that another person in the EEA can take a payment from your Card (e.g. if you have given your Card details to a retailer for the purpose of making a payment), you can ask us to refund a payment if all the following conditions are satisfied:
       1. the authorisation you gave did not specify the exact amount to be paid;
       2. the amount that has been charged to your Card was more than you could reasonably have expected to pay, based on the circumstances, including previous spending patterns; and
       3. you made the refund request within eight weeks of the date when the payment was charged to your Card.

15. Foreign Exchange

    1. If you use your Card in a currency other than the currency in which your Card is denominated, the amount deducted from your Available Balance will be the amount of the Transaction converted to your Account currency using a rate set by the Scheme on the date the Transaction is processed. Exchange rates can fluctuate and they may change between the time a Transaction is made and the time it is deducted from your Available Balance. You may also be charged a foreign exchange Fee as set out in the Fees & Limits Schedule.
    2. Please refer to the following Scheme websites (as applicable) for more information on the applicable exchange rates: https://www.mastercard.com/global/currencyconversion/index.html.

16. Our liability

    1. We shall not be liable for any loss arising:
       1. from any default resulting directly or indirectly from any cause beyond our control, including but not limited to, a lack of funds and/or failure of network services at ATMs, maximum withdrawal limits set by ATM operators and failure of data processing systems;
       2. from any loss of profits, loss of business, or any indirect, consequential, special or punitive losses;
       3. or goods or services that are purchased with the Card; and
       4. for any damages due to loss, fraud or theft that you have reported to us 13 months after the event.
    2. We will not be liable to you if your contact details have changed and you have not told us.
    3. Where the Card is faulty due to our default, our liability shall be limited to replacement of the Card;
    4. Where sums are incorrectly deducted from your Available Balance due to our default, our liability shall be limited to payment to you of an equivalent amount.
    5. Nothing in this Agreement shall exclude or limit our liability for death or personal injury resulting from our negligence or fraud.
    6. To the extent permitted by law, all conditions or warranties implied by law, statute or otherwise are expressly excluded.
    7. The above exclusions and limitations set out in this paragraph shall apply to any liability of our affiliates such as the Schemes, and other suppliers, contractors, distributors and any of their respective affiliates (if any), to you, which may arise in connection with this Agreement.

17. Complaints

    1. Should you wish to complain about any aspect of our service please contact Customer Services team detailing the nature of your complaint: any complaints you have will be dealt with quickly and fairly and we expect our Customer Service team to respond to you within 5 Business Days.
    2. If having received a response from our Customer Services team you are unhappy with the outcome you can escalate your complaint to Transact Payment Limited's Complaints Department by emailing cardcomplaints@transactpaymentslimited.com.
    3. We will make every effort to reach a resolution to your complaint, if we are unable to resolve your issue to your satisfaction we will explain the reasoning behind our decision.
    4. In the unlikely event that we are unable to resolve your issue you have the right to refer your complaint to the Financial Services Commission at: Payment Services Team, Financial Services Commission, PO Box 940, Suite 3 Ground Floor, Atlantic Suites, Europort Avenue, Gibraltar or email psdcomplaints@fsc.gi.

18. Personal Data

    In using your Card, you agree that we can use your personal information in accordance with our Privacy Policy as amended from time to time, which is set out in the Website and includes details of the personal information that we collect, how it will be used, and who we pass it to.

19. Changes to the Terms and Conditions

    1. We may update or amend this Agreement (including our Fees & Limits Schedule). Notice of any changes will be given on the Website and by notification by e-mail, SMS or post (provided that you have provided us with an up- to-date Personal Details) at least 2 months in advance.
    2. If you do not agree with the changes to the Agreement, you may at any time within the 2 months' notice period terminate your Agreement in accordance with our cancellation policy (see clause 10) and can redeem any unused Available Balance at that time without incurring a Fee. You will be deemed to have accepted any change to this Agreement unless you notify us of any objection before the proposed date of the change.
    3. If any part of this Agreement is inconsistent with any regulatory requirements then we will not rely on that part but treat it as if it did actually reflect the relevant regulatory requirement. If we need to make operational changes before we can fully comply with the new regulatory requirement, we will make those changes as soon as reasonably practical.

20. Miscellaneous

    1. This Agreement is governed by Gibraltar law and you agree to the exclusive jurisdiction of the courts of Gibraltar.
    2. Any delay or failure to exercise any right or remedy under this Agreement by us shall not be construed as a waiver of that right or remedy or preclude its exercise at any subsequent time.
    3. The Card is a payment service product and not a deposit or credit or banking product and, as such is not governed by the Deposit Security Scheme of Gibraltar. We will, however, safeguard your funds so that they are protected in accordance with applicable law if we become insolvent.
    4. f any provision of this Agreement is deemed unenforceable or illegal, the remaining provisions will continue in full force and effect.
    5. You may not assign or transfer any of your rights and/or benefits under this Agreement and you shall be the sole party to the contract between us. You will remain liable until all Cards issued to you are cancelled or have expired and all sums due under this Agreement have been paid by you in full. We may assign our rights and benefits under this Agreement to a third party and may subcontract any of our obligations under this Agreement.

USD PRIMARY CARD FEE SCHEDULE

¹ If you use an ATM not owned by the Issuer for any transaction, including a balance inquiry. You may be charged a fee by the ATM operator even if you do not complete a withdrawal and even if it is your first withdrawal of the month. This ATM fee is a third party fee amount assessed by the individual ATM operator only and is not assessed by the Issuer. The ATM fee amount will be charged to your Card.

² The Refund Process Fee applies when a crew member contacts customer service and requests to close his/her Card and be issued a check for the remaining balance.

³ The Euro Electronic Money Transfer Fee pricing only applies when a crew member requests the submission of an electronic money remittance ("EMR") transfer to an EU-based or foreign bank account denominated in Euros. The FX Electronic Money Transfer pricing only applies when the crew member requests the submission of an EMR to an EU-based or foreign bank account denominated in foreign currency.

USD PRIMARY CARD LIMITS

USD COMPANION CARD FEE SCHEDULE

¹ If you use an ATM not owned by the Issuer for any transaction, including a balance inquiry. You may be charged a fee by the ATM operator even if you do not complete a withdrawal and even if it is your first withdrawal of the month. This ATM fee is a third party fee amount assessed by the individual ATM operator only and is not assessed by the Issuer. The ATM fee amount will be charged to your Card.

² The Refund Process Fee applies when a crew member contacts customer service and requests to close his/her Card and be issued a check for the remaining balance.

USD COMPANION CARD LIMITS