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Credit Card Agreement
Free credit card agreement template outlining the terms for a company-issued or store credit card, including rates, fees, and payment terms.
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This free credit card agreement covers 1. Credit Limit, 2. Annual Percentage Rate (APR), 3. Fees, 4. Minimum Payment, 5. Grace Period with 8 clearly marked [placeholder] fields to fill in — built for small businesses and individuals documenting a loan or expense putting financial terms in writing so both sides have a clear, shared record. Copy it into your own word processor, fill in the placeholders, and review it — or adapt it — before use. It's part of docstoc's free document template library, alongside business, legal, real estate, finance, and HR templates. Every template here is free to copy with no signup required, and each one carries a plain disclaimer: this is a starting point for informational purposes, not a substitute for advice from a licensed professional in your jurisdiction.
Credit Card Agreement
Issuer: [Company Name] · Cardholder: [Name] · Date: [Date]
1. Credit Limit
Cardholder is granted a credit limit of [Amount], subject to change at Issuer's discretion with notice as required by law.
2. Annual Percentage Rate (APR)
Purchases: [%] APR · Cash advances (if applicable): [%] APR [State how interest is calculated — e.g. average daily balance method.]
3. Fees
Annual fee: [Amount, or "none"] · Late payment fee: [Amount] · Over-limit fee: [Amount, if applicable]
4. Minimum Payment
Cardholder must pay at least [Amount/percentage of balance] by the due date shown on each statement.
5. Grace Period
[State whether a grace period applies to new purchases if the balance is paid in full each month.]
6. Default
Cardholder is in default for non-payment, exceeding the credit limit, or providing false information. Issuer may close the account and demand immediate payment of the full balance upon default.
7. Disputed Charges
Cardholder may dispute a charge in writing within [Number] days, per Issuer's dispute resolution process.
Cardholder signature: ______________________ Date: ____________
*This document is provided for informational and educational purposes only and does not constitute legal advice. Consumer credit cards are heavily regulated (in the US, primarily by the Truth in Lending Act/Regulation Z) — a business actually issuing cards to consumers needs specific required disclosures well beyond this outline, reviewed by a financial services attorney.*
Edit directly in the box above. Download PDF anytime — the docstoc.io footer is always included and cannot be removed.
What's included
- Edit online — click the document, fill in placeholders, download a PDF
- 7 standard sections: 1. Credit Limit, 2. Annual Percentage Rate (APR), 3. Fees, 4. Minimum Payment, 5. Grace Period, 6. Default, …
- 8 clearly marked [placeholder] fields for quick personalizing
- Free to use — no account or signup required
- Fully editable — adjust any clause to match your actual situation
- Includes a signature block, ready to print or sign digitally
- Fixed docstoc.io footer on every PDF (not removable)
Who this template is for
Freelancers & solo founders
Handling routine business paperwork without commissioning custom legal drafting for every document.
Small businesses
Standardizing recurring documents — leases, agreements, notices — across a growing operation.
Anyone reviewing before signing
Using a clear starting structure to understand what a document should cover, even if a lawyer finalizes it.
Informal lending & reimbursements
Money changing hands between people or a business and its team, without a bank's paperwork.
FAQ
Is this credit card agreement template really free?
Yes — this Credit Card Agreement template on docstoc is free to view, edit online, and download as a PDF with no account or signup required.
What does this credit card agreement cover?
This finance template includes 1. Credit Limit, 2. Annual Percentage Rate (APR), 3. Fees, 4. Minimum Payment. Fill in the [bracketed] placeholders, edit any clause online, then download a PDF — the docstoc.io footer stays on every export.
Is this legal advice?
No. Financial documents like this can touch usury limits, lending disclosure rules, or tax treatment that vary by state and by amount — details a general template can't know. Have an accountant or attorney review the actual terms before money changes hands based on this.
Can I edit the wording?
Yes — edit directly on the page, adjust any section or clause, and re-fill the 8 placeholder fields to match your situation before downloading a PDF. It's a starting structure, not a rigid script.
Where can I find more free templates like this?
Browse more free finance and related document templates in the docstoc library at /document-templates/.
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Templates are drafted for general use, not a substitute for legal advice — check the note on each page for specifics.
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Copy the subject and body directly — no form to fill in, no export step, no waiting on a download link.
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