ARTICLE 45
Effective from Apr 21 2025 - Apr 14 2015
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If a Credit or Charge Card agreement is amended, the Card Issuer must, at least 30 Calendar Days before the amendment takes effect, disclose to the Cardholder, any changes to the agreement, except changes to the following:
| a. | An extension to the Grace Period. | ||
| b. | A decrease in fees and charges. | ||
| c. | A change concerning information about any optional service in relation to the Credit or Charge Card Agreement. |