CARDHOLDER AGREEMENT OVERVIEW
These terms and conditions (“Terms and Conditions” or “Agreement”)
govern your use of the temporary American Express Campus Edition Prepaid Card that
was included in the American Express Campus Edition Prepaid Card package you acquired
at your college or university bookstore. The term “Temporary Card” refers
to such temporary card, and not to the personalized American Express Campus Edition
Prepaid Card ("Personalized Card") you may request at americanexpress.com/campusedition
(the "Website"). The Personalized Card provides many features and benefits
not provided by the Temporary Card, including reload functionality, ATM access,
international usage, multiple funding options, optional photo upload, Roadside Assistance
and Purchase Protection. We urge you to apply for a Personalized Card today.
By signing or using the Temporary Card after loading, you agree to be bound by these
Terms and Conditions in their entirety. Should you wish not to be bound by these
Terms and Conditions in their entirety you must, prior to using the Temporary Card,
request a refund of the value of the Temporary Card by calling Customer Service
In these Terms and Conditions, "you” and “your” means the
person who has acquired and loaded funds to the Temporary Card. The terms “we,”
“our” and “us” refer to American Express Prepaid Card Management
Corporation, the issuer of the Temporary Card.
This Temporary Card may only be used by the person who has acquired and loaded funds
to the Temporary Card, and at no time may you authorize anyone else to use the Temporary
Card. You must be at least 18 years of age to acquire and load the Temporary Card
and acquire a Personalized Card.
ABOUT YOUR TEMPORARY CARD
Your Temporary Card is a prepaid payment device which must have funds loaded to
it prior to use. Your Temporary Card is not a gift card, credit, debit or charge
card, and does not constitute a checking, savings or other demand deposit or consumer
asset account. The Temporary Card is not a payroll card and cannot be used to make
payroll to anyone. The Temporary Card is not intended for gifting purposes. Except
where required by law, the Temporary Card is not redeemable for cash. The Temporary
Card is not transferable and you agree not to permit any other person to use your
Temporary Card. You are wholly responsible for the use of the Temporary Card in
accordance with the terms of this Agreement. Funds on the Temporary Card are not
FDIC-insured and you will not receive Interest on funds loaded to the Temporary
The value of the funds available on your Temporary Card at any time is referred
to as your “Available Balance” or “Available Funds.” Subject
to the amount of Available Funds on your Card, the Temporary Card may be used for
payment of goods and services at retailers and other merchants that accept the American
Express Card within the United States. This includes mail order, online and brick
and mortar establishments (each a “Merchant”). However, the Temporary
Card may not be used at casinos. You may use the Temporary Card to pay the final
payment of a car rental, but may not be able to use the Temporary Card to make a
car rental or other reservation or deposit. You agree not to use the Temporary Card
in any type of illegal activity or make any prohibited purchase (e.g., purchase
of alcohol or tobacco by a minor). Merchant categories are determined by Merchants
and other parties, and you agree to hold us harmless for any transactions that occur
as a result of inaccuracies in Merchant classification.
THE TEMPORARY CARD IS CURRENTLY NOT AVAILABLE FOR SALE in Arkansas (AR) and Vermont
(VT). Please contact Customer Service at 1-866-465-4205 or access americanexpress.com/campusedition
for a current listing of states in which the Temporary Card is not available for
FOR AVAILABLE BALANCE AND 24-HOUR CUSTOMER SERVICE
Call Customer Service at 1-866-465-4205.
FOR TRANSACTION HISTORY
You may review your Temporary Card transaction history by calling Customer Service
at 1-866-465-4205. You may obtain a sixty (60) day written history of Temporary
Card transactions by calling Customer Service at 1-866-465-4205 or by writing us
at American Express, PO Box 30383, Salt Lake City, UT 84130.
SETTING UP YOUR TEMPORARY CARD
ACQUIRING AND LOADING the TEMPORARY Card
In order to use the Temporary Card, you must first load a minimum of $25 US and
a maximum of $500 US to the Temporary Card. Simply present an accepted tender type
at your college or university bookstore and the load will be added to the Temporary
Card. We may change minimum and maximum permitted load amounts at any time for legal,
risk management or security purposes. Once loaded, the Temporary Card is not reloadable.
Signing Your TEMPORARY Card
You must sign the back of the Temporary Card where indicated. Write down your Card
number and the Customer Service number on a separate piece of paper in case your
Temporary Card is lost or stolen. We also strongly suggest that you keep the receipt
from the loading of the Temporary Card, as we may require it for a refund, exchange
In most cases, as soon as you sign the back of the Temporary Card after loading,
it is ready for use. However, in some cases, the Temporary Card may be inactive
for up to one (1) hour after purchase.
USING YOUR TEMPORARY CARD
Purchases at Merchant Establishments
Present the Temporary Card to the Merchant at the time of payment and sign the receipt
with the same signature you used when you signed the back of your Temporary Card.
Retain the receipt as a record of the transaction. You agree to use the Temporary
Card only at Merchants within the United States and only for lawful purposes. You
acknowledge that purchases made with prepaid cards, such as the Temporary Card,
are similar to those made with cash. You cannot “stop payment” or lodge
a "billing dispute" on such transactions. Any problems or disputes you
have regarding a purchase or transaction should be addressed directly with the Merchant.
SPLIT TENDER TRANSACTIONS
Depending on the Merchant’s policy, you may be able to use your Temporary
Card with another form of payment, such as cash, check or another card, to make
a purchase. This is known as a “Split Tender Transaction.” To make a
purchase for more than the Available Funds on the Temporary Card:
- Present the Temporary Card for payment and tell the cashier it is a prepaid card.
- Tell the cashier the Available Funds and ask whether another form of payment will
be accepted for the balance of the purchase.
- Before the Temporary Card is “swiped,” tell the cashier to only authorize
the Temporary Card for the Available Funds.
- If the Temporary Card is declined, remind the cashier of the Available Funds.
- Be prepared to provide a second form of payment to cover the balance of your purchase.
Some Merchants may only allow you to use cash or check, but not another card, as
the second form of payment. Some Merchants do not permit a second form of payment
at all. We do not guarantee that a Merchant will permit a Split Tender Transaction.
If you experience any difficulty making a Split Tender Transaction, please call
Customer Service at 1-866-465-4205 for assistance.
You can also use the Temporary Card to make purchases over the internet or by mail
order at Merchants within the United States. However, some internet and mail-order
Merchants do not permit Split Tender Transactions. If you experience any difficulty
making a purchase online or by mail order with the Temporary Card, please call Customer
Service at 1-866-465-4205 for assistance.
Purchases at CERTAIN Merchant Establishments
Restaurants, hair salons and some other types of Merchants will obtain an authorization
on the Temporary Card for an amount up to 20% more than the total service bill to
cover any gratuity that may be added. Be sure that the Available Funds on your Temporary
Card are sufficient to cover the cost of the bill plus any anticipated gratuity.
If the Temporary Card is declined, ask the Merchant to obtain an authorization for
an amount equal to or less than the Available Funds.
Gas stations will routinely obtain an authorization on the Temporary Card for an
estimated purchase amount to ensure that the Available Funds will cover the final
purchase. To avoid having a gas station obtain authorization for an amount that
is higher than the Available Funds, we suggest that you prepay inside at the cashier
for an amount equal to, or less than, the Available Funds on the Temporary Card.
If you wish to return any merchandise purchased with the Temporary Card, you will
be subject to the Merchant’s return policies. If the Merchant agrees to issue
a credit to the Temporary Card, such amount may not be reflected in the Available
Balance until the credit posts, which may take seven (7) days or longer.
Each time you use your Temporary Card, the amount of the transaction will be debited
from the Temporary Card’s Available Funds. You agree not to make a purchase
or other transaction in excess of the Temporary Card’s Available Funds. If
you do make a purchase or other transaction that exceeds the Available Funds on
the Temporary Card and, as a result, the balance on the Temporary Card is negative
(a “Shortage”), you shall remain fully responsible for the Shortage
amount and we reserve the right to require that you immediately forward payment
to us for any such Shortage. Subject to applicable law, we reserve the right to
debit the Available Funds on your Temporary Card or any other prepaid card you hold
that is issued by us or any of our affiliates for any Shortage amount.
There are two ways that your Available Funds may be decreased. First, if you make
a purchase with the Temporary Card, we will deduct the full amount of that purchase,
including taxes and any related fees, from the Available Funds. Second, if you use
the Temporary Card and the Merchant authorizes for an amount greater than the actual
purchase (e.g., when you use the Temporary Card at a Merchant expecting a gratuity),
the Available Funds will be temporarily decreased by the amount of the authorization
until the actual transaction posts, which typically occurs within three (3) business
days. Only the final amount of the purchase will ultimately be deducted from the
Once the Available Funds on your Temporary Card reaches zero ($0), you agree that
you will no longer use the Temporary Card. The Temporary Card is not reloadable.
There may be a purchase fee, but there are no other fees, payable by you in connection
with the Temporary Card. (Please Note: Fees and charges are payable by you
in connection with ownership and use of a Personalized Card). We reserve
the right to change or waive any fee at any time. For the most current fee schedule
applicable to the Temporary Card and the Personalized Card, please call Customer
Service at 1-866-465-4205 or visit americanexpress.com/campusedition.
MANAGING YOUR TEMPORARY CARD
Replacing Your TEMPORARY Card After its “Valid Thru” Date
Please note the Temporary Card has a “Valid Thru” date on the front
of the Temporary Card. This “Valid Thru” date is the date through which
your physical plastic card may be used, and is required to process purchases at
Merchants that request a plastic expiration date. You may not use the Temporary
Card after the “Valid Thru” date on the front of the Temporary Card.
Even if the “Valid Thru” date has passed on your Temporary Card, remember
that the Available Funds on your Temporary Card remain unchanged and intact, as
they do not expire. In order to keep making purchases with your Available Balance
after the Temporary Card's "Valid Thru" date has passed, please call Customer
Service at 1-866-465-4205 for a free replacement Temporary Card.
Lost or Stolen Cards
If your Temporary Card or Temporary Card number is lost or stolen, or if you believe
the security of your Temporary Card has been compromised, contact Customer Service
at 1-866-465-4205 immediately. You will be required to provide your name, address,
Temporary Card number and other details for identification purposes. You agree to
give us all reasonable information and assistance requested to make a complete investigation
of the loss or theft. If your Temporary Card is lost or stolen, we will issue you
a replacement Card with a value equal to the Available Funds on your Card at the
time you notified us of the loss or theft. NO REFUNDS WILL BE PROVIDED FOR AMOUNTS
DEBITED FROM YOUR LOST OR STOLEN TEMPORARY CARD BEFORE YOU NOTIFY US.
Closing or Suspending Your Card/Refund
You may cancel your Temporary Card at any time by calling Customer Service at 1-866-465-4205.
If Available Funds remain on the Temporary Card, we may refund the remaining amount
on your Temporary Card by issuing you a check. We reserve the right to investigate
all requests for cancellation and refund and to enable all Temporary Card transactions
made prior to Temporary Card cancellation to post before processing a refund. All
refunds are at our sole discretion. If we elect to provide a refund, we will cancel
your Temporary Card and process your refund.
We reserve the right to suspend or terminate your Temporary Card (i) if you violate
these Terms and Conditions, (ii) if there are potential fraud or security risks
associated with your Temporary Card, as determined by us, or (iii) for any reason
allowed by law. If we suspend or terminate your Temporary Card, you will not be
able to use your Temporary Card for purchases or transactions and you may not have
access to services associated with the Card, such as Special Offers. If we terminate
your Temporary Card prior to the expiration of the “Valid Thru” date,
any Available Funds remaining on the Temporary Card upon such cancellation, after
payment for all applicable fees, will be returned to you. If the “Valid Thru”
date on the Temporary Card has not passed, we may condition reimbursement upon return
of the Temporary Card to us. The Temporary Card is our property.
REQUESTING a Personalized Card
The Personalized Card, and related features and functionalities, is an electronic,
paperless product, and is intended for use only by individuals who are willing and
able to receive notices and communications from us exclusively through electronic
means. You may order a Personalized Card online at americanexpress.com/campusedition.
At order, you will be requested to provide your Temporary Card number, if you desire
to transfer any remaining balance on your Temporary Card to the Personalized Card,
and certain other information, including personal information required by us to
communicate with you and to verify your identity, such as name, address, date of
birth, telephone number, email address and social security number (or other identity
information). We will notify you of successful (or unsuccessful) identify verification
by mail, email or phone using the information you provided at the time of order.
Upon successful verification of identity, your Personalized Card will be sent via
US Mail to the address provided by you. If you have ordered a Personalized Card
and elected to transfer any remaining balance on your Temporary Card to the Personalized
Card, then upon the transfer of such remaining balance, your Temporary Card may
no longer be used for purchases. The Terms and Conditions of the CARDMEMBER AGREEMENT
for the Personalized Card can be reviewed at americanexpress.com/campusedition.
OTHER IMPORTANT NOTICES
We are not responsible or liable to you (i) for any interruption in your use of
the Temporary Card, (ii) for the quality, safety, legality, or any other aspect
of any goods or services purchased from any Merchant with the Temporary Card, (iii)
if any Merchant refuses to honor the Temporary Card or Special Offers, and/or (iv)
for any other problems you may have with any Merchant. Subject to applicable law,
if you have a dispute with a Merchant, you agree to settle the dispute directly
with the Merchant. If a Merchant fails to honor the Temporary Card, please call
Customer Service at 1-866-465-4205 to report the incident.
Changing these Terms and Conditions
We may change the terms of, or add new terms to, these Terms and Conditions at any
time, with or without cause, and without giving you notice, subject to applicable
law. In addition, we may suspend, cancel, add, modify or delete any feature or benefit
offered in connection with the Temporary Card at our sole discretion at any time,
with or without cause, and without giving you notice, subject to applicable law.
We reserve the right to deliver to you any notice of changes to existing terms or
the addition of new terms by US Mail or electronically to the street and/or email
address you have provided for your Temporary Card or by posting such notice at americanexpress.com/campusedition.
Any notice given by us shall be deemed given when deposited in the United States
Mail, postage prepaid, addressed to you at the latest address shown on our records,
or sent electronically to the email address you have provided for your Temporary
Card, or posted on americanexpress.com/campusedition.
The most current Terms and Conditions may always be found at americanexpress.com/campusedition.
Assignment and Waiver
We may assign these Terms and Conditions to a third party at any time without notice
to you. However, if we assign these Terms and Conditions, the terms will remain
substantially and materially the same unless you are notified. If we reimburse you
for a refund claim you have made for a lost or stolen Temporary Card, or if we otherwise
provide you with a credit or payment with respect to any problem arising out of
any transaction made with the Temporary Card, you are automatically deemed to assign
and transfer to us any rights and claims, excluding tort claims, that you have,
had or may have against any third party for an amount equal to the amount we have
paid to you or credited to your Temporary Card. You agree that you will not pursue
any claim against, or reimbursement from, such third party for the amount that we
paid or credited to your Temporary Card, and that you will cooperate with us if
we decide to pursue the third party for the amount paid or credited. Neither our
failure to exercise any of our rights under these Terms and Conditions, nor our
delay in enforcing or exercising any of our rights, shall constitute a waiver of
such rights. If we waive any right under these Terms and Conditions on one occasion,
such waiver shall not operate as a waiver as to any other occasion.
DATA PROTECTION AND PRIVACY
During any Customer Service call, we may request that you provide the card security
code printed on the front of the Temporary Card, as well as additional identification
information such as your home phone number, date of birth, and zip code. We may
also obtain personal information (“Cardholder Information”) about you,
including information (i) you have provided to us, such as your name and/or your
address, during Customer Service calls or otherwise and (ii) about purchases made
with the Temporary Card, such as the date, the amount and the place of purchase.
For purposes of fraud prevention and regulatory compliance, we may also obtain information
from providers of identity verification data and demographic information.
Only those persons who need it to perform their job responsibilities are authorized
to have access to Cardholder Information. We also maintain physical, electronic,
and procedural security measures that comply with federal regulations to safeguard
We will use Cardholder Information to process Temporary Card transactions, provide
customer service, enhance usage at retailers who may require zip code authorization,
process claims for lost or stolen Temporary Cards and help protect against fraud.
We also use Cardholder Information for marketing purposes and to conduct research
We may provide certain Cardholder Information to companies, including our affiliated
companies that perform business operations or services, including marketing services,
on our behalf. We may provide certain Cardholder Information to others outside of
American Express as permitted by law, such as to government entities or other third
parties, in response to subpoenas. We may develop marketing programs and send you
offers for our products and services and the products and services of our business
partners, such as Merchants that accept the Temporary Card, and we may use Cardholder
Information to make these offers more relevant and valuable to you. We do not share
Cardholder Information with other companies for them to market their own products
Subject to applicable law, from time to time we may monitor and/or record telephone
calls between you and us to assure the quality of our Customer Service or as required
by applicable law.
Special Offers and Marketing
Special offers may be available from time to time at participating merchants. As
a Cardholder, you may also be eligible to participate in various special programs
from time to time. Specific terms, conditions and restrictions for each such offer
or special programs (collectively, "Special Offers") can be accessed at
We take no responsibility for Special Offers. We reserve the right to add to, change
and/or cancel the Special Offers at any time.
Agreement to Arbitrate Disputes: This Arbitration Provision sets
forth the circumstances and procedures under which Claims (defined below) that arise
between you and us will be resolved through binding arbitration. This means that
neither you nor we will have the right to litigate that Claim in court or have a
jury trial on that Claim. Other rights that you would have in court also may not
be available or may be limited in arbitration, including your right to appeal and
your ability to participate in a class action. Nothing in this provision precludes
you from filing and pursuing your individual Claim in a small claims court in your
state or municipality, so long as that Claim is pending only in that court.
Definitions: As used in this Arbitration Provision, the term “Claim”
shall mean and include any claim, dispute or controversy of every kind and nature,
whether based in law or equity, between you and us arising from or relating to the
Temporary Card or these Terms and Conditions, as well as any related or prior agreement
that you may have had with us or the relationships resulting from any of the above
agreements (“Agreements”), including the validity, enforceability or
scope of this Arbitration Provision or the Agreements. “Claim” also
includes claims by or against any third party using or providing any product, service
or benefit in connection with the Card (including, but not limited to, third parties
who accept the Temporary Card, third parties who use, provide or participate in
programs accessed with the Temporary Card , enrollment services and rewards programs,
debt collectors and all of their agents, employees, directors and representatives)
if and only if, such third party is named as a co-party with you or us (or files
a Claim with or against you or us) in connection with a Claim asserted by you or
us against the other. As used in this Arbitration Provision, “you” and
“us” also includes any corporate parent, or wholly or majority owned
subsidiaries, affiliates, any licensees, predecessors, successors, assigns, any
purchaser of any accounts, all agents, employees, directors and representatives
of any of the foregoing, and any third party using or providing any product, service
or benefit in connection with the Temporary Card.
Initiation of Arbitration Proceeding/Selection of Administrator:
Any Claim shall be resolved, upon the election by you or us, by arbitration pursuant
to this Arbitration Provision and the code of procedures of the national arbitration
organization to which the Claim is referred in effect at the time the Claim is filed
(the “Code”), except to the extent the Code conflicts with this Agreement.
Claims shall be referred to either JAMS (“JAMS”) or the American Arbitration
Association (“AAA”), as selected by the party electing to use arbitration.
If a selection by us of either of these organizations is unacceptable to you, you
shall have the right within thirty (30) days after you receive notice of our election
to select the other organization listed to serve as arbitration administrator. For
a copy of the procedures, to file a Claim or for other information about these organizations,
contact (1) JAMS at 1920 Main Street, Suite 300, Irvine, CA 92614; www.jamsadr.com,
(2) AAA at 335 Madison Avenue, New York, NY 10017, www.adr.org. In addition to the
arbitration organizations listed above, Claims may be referred to any other arbitration
organization that is mutually agreed upon in writing by you and us, or to an arbitration
organization or arbitrator(s) appointed pursuant to Section 5 of the Federal Arbitration
Act, 9 US C. Sections 1-16, provided that any such arbitration organization and
arbitrator(s) will enforce the terms of the Restrictions on Arbitration provision
set forth below.
Class Action Waiver and Other Restrictions: Arbitration shall proceed
solely on an individual basis without the right for any Claims to be arbitrated
on a class action basis or on bases involving claims brought in a purported representative
capacity on behalf of others. The arbitrator’s authority to resolve and make
written awards is limited to Claims between you and us alone. Claims may not be
joined or consolidated unless agreed to in writing by all parties. No arbitration
award or decision will have any preclusive effect as to issues or claims in any
dispute with anyone who is not a named party to the arbitration. Notwithstanding
any other provision in these Terms and Conditions (including the “Continuation”
provision below), and without waiving either party’s right of appeal, if any
portion of this “Class Action Waiver and Other Restrictions” provision
is deemed invalid or unenforceable, then the entire Arbitration Provision (other
than this sentence) shall not apply.
Arbitration Procedures: This Arbitration Provision is made pursuant
to a transaction involving interstate commerce, and shall be governed by the Federal
Arbitration Act, 9 US C. Sections 1-16, as it may be amended (“FAA”),
and the applicable Code. The arbitrator shall apply applicable substantive law consistent
with the FAA and applicable statutes of limitations and shall honor claims of privilege
recognized at law. Federal or state rules of civil procedure or evidence shall not
apply. Written requests to expand the scope of discovery rest within the arbitrator’s
sole discretion and shall be determined pursuant to the applicable Code. The arbitrator
shall take reasonable steps to preserve the privacy of individuals, and of business
matters. Judgment upon the written arbitral award may be entered in any court having
jurisdiction. Subject to the right of appeal under the FAA, the arbitrator’s
written decision will be final and binding unless you or we take an appeal from
the award by making a dated, written request to the arbitration organization within
thirty (30) days from the date of entry of the written arbitral award. A three-arbitrator
panel administered by the same arbitration organization shall consider anew any
aspect of the award objected to by the appellant, conduct an arbitration pursuant
to its Code and issue its decision within one hundred and twenty (120) days of the
date of the appellant’s written notice. The panel’s majority vote decision
shall be final and binding.
Location of Arbitration/Payment of Fees: The arbitration shall
take place in the federal judicial district of your residence. Irrespective of who
prevails in arbitration, you will only be responsible for paying your share, if
any, of the arbitration fees required by the applicable Code, which amount shall
not exceed the filing fees you would have incurred if the Claim had been brought
in the appropriate state or federal court closest to your residence. We will pay
the remainder of any arbitration fees. At your written request, we will consider
in good faith making a temporary advance of all or part of your share of the arbitration
fees. Waivers also may be available from the JAMS or AAA.
Continuation: This Arbitration Provision shall survive termination
of the Temporary Card, as well as voluntary payment in full of any Shortages, any
debt collection proceeding by or between you and us, and any bankruptcy by you or
us. If any portion of this Arbitration Provision, except the “Class Action
Waiver and Other Restrictions” provision above, is deemed invalid or unenforceable
for any reason, it shall not invalidate the remaining portions of this Arbitration
Provision, these Terms and Conditions or any predecessor agreement you may have
had with us, each of which shall be enforceable regardless of such invalidity.
These Terms and Conditions and your Temporary Card, and all questions about their
legality, enforceability and interpretation, are governed by the laws of the State
of New York, USA (without regard to internal principles of conflicts of law). The
Temporary Card is issued by American Express Prepaid Card Management Corporation.
©2011 American Express Travel Related Services Company, Inc.