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The term adverse action does not include a creditor's termination of an account when the accountholder is currently in default or delinquent on that account.Notification in accordance with § 1002.9 of the regulation generally is required, however, if the creditor's action is based on a past delinquency or default on the account. When an applicant applies for credit and the creditor does not offer the credit terms requested by the applicant (for example, the interest rate, length of maturity, collateral, or amount of downpayment), a denial of the application for that reason is adverse action (unless the creditor makes a counteroffer that is accepted by the applicant) and the applicant is entitled to notification under § 1002.9.Interpretations will be issued at the discretion of designated officials and incorporated in this commentary following publication for comment in the Federal Register.Except in unusual circumstances, official interpretations will be issued only by means of this commentary. The comments are designated with as much specificity as possible according to the particular regulatory provision addressed.3 Purchase airline tickets with your On Point Visa card and you and your eligible family members are automatically covered. Receive up to ,000 in coverage for your cancelled trip due to death, accidental bodily injury, or physical illness; or due to carrier default. 6 Get convenient towing and locksmith referral services in the United States and Canada, available 24 hours a day, 7 days a week. 7 Up to one (1) additional year on warranties of three (3) years or less when you purchase an eligible item entirely with your eligible Visa Signature card.
With better rates, no hidden fees, and built-in security features, our suite of On Point Visa® cards delivers the purchasing power to bring your dreams to life.Each comment in the commentary is identified by a number and the regulatory section or paragraph that it interprets. If a transaction provides for the deferral of the payment of a debt, it is credit covered by Regulation B even though it may not be a credit transaction covered by Regulation Z (Truth in Lending) (12 CFR Part 1026).For example, comments to § 1002.2(c) are further divided by subparagraph, such as comment 2(c)(1)(ii)-1 and comment 2(c)(2)(ii)-1. Further, the definition of creditor is not restricted to the party or person to whom the obligation is initially payable, as is the case under Regulation Z.To read the full Visa Reloadable Prepaid Cards terms and conditions, click here.2 Subject to conditions in the Visa Credit Card Agreement. 5 Purchase your entire common carrier ticket to your Visa Signature card and your checked or carry-on luggage is covered up to ,000 if lost or stolen.Certain restrictions, limitations, and exclusions apply. SIGNATURE VISA WITH REWARDS: All terms, including APRs and fees, may change as permitted by law and the On Point Visa Signature Credit Card Agreement.For more information regarding all the extra benefits offered, view the On Point Signature Visa with Rewards Guide to Benefits.PLATINUM VISA & PLATINUM VISA WITH REWARDS: All terms, including APRs and fees, may change as permitted by law and the On Point Visa Credit Card Agreement.*Double rewards points do not apply to balance transfers or cash advances.In cases where termination is adverse action, notification is required under § 1002.9. If a creditor terminates credit accounts that have low credit limits (for example, under 0) but keeps open accounts with higher credit limits, the termination is adverse action and notification is required under § 1002.9. An adverse action notice need not be given to the mortgagor or the transferee.(See comment 2(e)-1 for treatment of a purchaser who requests to assume the loan.) 2.