AE Credit Card Application
AE Credit Card Printable Credit Application

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  • Consent to Electronic Communications
  • Credit Card Agreement
  • Synchrony Bank Privacy Policy

Important Information about your AE Credit Card Account

18.96% (Variable) 19.80% (Fixed) IA 21.00% (Fixed) ME
In all states except IA and ME, your Annual Percentage Rate will vary and will be equal to the total of (i) the highest bank prime loan rate as published in The Wall Street Journal in its Money Rates section on the last business day of the calendar month preceding the first day of such billing period and (ii) 10.71%. In IA and ME the periodic rate and corresponding Annual Percentage Rate will not vary.
26 days, if there is no previous balance or the balance is fully paid. Otherwise none.
Average Daily Balance (Including New Purchases)
$1.00 ($.50 in IA and WI; $0 in PR)

Late Payment Fee: The amount of the Late Payment Fee is $25. However, if your delinquent Minimum Payment was calculated on a New Balance of less than $30, the Fee is $10.

Returned Check Fee: $15 ($10 in PR)

The information about the costs of the Card described above is accurate as of July 1, 2006. To find out what may have changed, write us at P.O. Box 981064, El Paso, TX 79998-1064. The terms of the Agreement may have changed after by us as provided in the Agreement.

The creditor and card issuer is Synchrony Bank, a Utah bank.

Consent to Electronic Communications


Categories of Communications.
You understand and agree that Synchrony Bank, the issuer of the American Eagle Credit Card, our assignees, or other holders of your American Eagle Credit Card account ("we" or "us") may provide to you by electronic means the following categories of information with respect to applying for and obtaining a American Eagle Credit Card account ("Account"), which may include disclosures required by applicable federal or state law (collectively, "Communications"):

  • The American Eagle Credit Card Agreement ("Agreement"), including, without limitation, any Truth in Lending Act disclosures; and
  • Other federal and state law disclosures, notices and communications in connection with the application for an Account or opening an Account.
  • Our Privacy Policy for the American Eagle Credit Card Program.

Manner of Consent.
You acknowledge that by agreeing to the Consent to Electronic Communications through this website, you demonstrate that you can access information that we would provide to you by posting electronic Communications on our website.


How to Withdraw Consent.
You may withdraw your consent to receive electronic Communications by not submitting your online application. However, you may not apply online unless you consent to receive electronic Communications.


Hardware and Software Requirements.
In order to access and retain Communications, you must have:

  • An Internet Browser which supports HTML 4.0 and SSL-encryption, such as Netscape 4.0 or later and Microsoft Internet Explorer 4.0 or later.
  • A means to print or store notices and information through your browser software.
  • A personal computer or equivalent device capable of connecting to the Internet via dial-up, DSL, Cable Modem, Wireless Access Protocol, or equivalent, and that supports the foregoing requirements.

Paper Copies of Communications.
Upon your request, we will send you a paper copy of the Agreement, our Privacy Policy for the American Eagle Credit Card Program and/or other material provided pursuant to the Consent to Electronic Communication. If you would like a paper copy of any of this material please write to us at American Eagle Outfitters, PO Box 981064, El Paso, TX 79998-1064 or call us at 1-800-843-0875. There will be no charge for a paper copy of this material.


Communications in Writing.
All Communications in either electronic or paper format from us to you will be considered "in writing." You should print or download a copy of this Consent to Electronic Communication, the Agreement, our Privacy Policy for the American Eagle Credit Card Program, your application and any other Communication that is important to you for your records.


Electronic Signatures.
You acknowledge that by clicking on the "I Agree" or similar button at the American Eagle Credit Card application, you are indicating your intent to sign the relevant document or record and that this shall constitute your signature.


Federal Law.
You acknowledge and agree that your consent to electronic Communications is being provided in connection with a transaction affecting interstate commerce that is subject to the federal Electronic Signatures in Global and National Commerce Act, and that you and we both intend that the Act apply to the fullest extent possible to validate our ability to conduct business with you by electronic means.


Nonnegotiable Consumer Note


GENERAL. This Agreement ("Agreement") governs your American Eagle Outfitters credit card account ("Account"). In this Agreement and your billing statement ("Statement"), "we", "us", and "our" means Synchrony Bank, 4246 South Riverboat Rd, Suite 200, Salt Lake City, UT 84123-2551; "you" and "your" means all persons who we approve to use the Account; and "Card" means your American Eagle Outfitters Credit Card. The effective date of this Agreement ("Effective Date") will be the earlier of (i) the date you submit an Account application that is approved by us, or (ii) the first date that you or someone authorized by you uses the Account (in NY, the first date that you or someone authorized by you signs a sales slip or memorandum indicating a Purchase (as defined herein) on the Account).


USE OF ACCOUNT. You may use your Account to purchase goods or services ("Purchases"), up to any credit limit we may establish ("Credit Limit"). We may decline to authorize any Purchase or change your Credit Limit at any time. You may use your Account only for personal, family or household purposes.


PROMISE TO PAY. You promise to pay us for all credit that we extend on your Account for Purchases and all other amounts owed to us under the terms of this Agreement.



A. The Finance Charge for a billing period is calculated by applying the Periodic Rate to the Account balance subject to Finance Charge for the billing period. Except in PR, there is a minimum FINANCE CHARGE of $1.00 ($.50 in IA and WI) for a billing period in which a Finance Charge is assessed.

B. Except in IA and ME, the Periodic Rate for your Account for a billing period is the Prime Rate plus 10.71%, times 1/12. The "Prime Rate" for a billing period is the highest bank prime loan rate as published in The Wall Street Journal  in its Money Rates section on the last business day of the calendar month preceding the first day of the billing period. As of July 1, 2006, the Periodic Rate under this formula was 1.580% (ANNUAL PERCENTAGE RATE 18.96%). In IA and ME the Periodic Rate is fixed and equal to 1.65% (ANNUAL PERCENTAGE RATE 19.8%) in IA and 1.75% (ANNUAL PERCENTAGE RATE 21.00%) in ME.

C. Except in IA and ME, the Periodic Rate and corresponding Annual Percentage Rate may vary. If the Prime Rate increases, the Periodic Rate and corresponding Annual Percentage Rate may increase, and as a result the Finance Charge, Minimum Payment and number of payments also may increase. Any change in the Periodic Rate will apply to your entire Account balance. We may select a new interest rate index if the Prime Rate is not available.



A. The balance subject to Finance Charge is the Average Daily Balance of the Account. However, there is no balance subject to Finance Charge for a billing period if there is no Previous Balance on your Account for that billing period or the sum of your payments and credits on your Account during the billing period is at least equal to the Previous Balance.

B. To determine the Account balance subject to Finance Charge, we take the beginning balance of your Account each day, which includes any unpaid Finance Charges (except in PR), and add any new Purchases and other debits for that day and subtract any payments and other credits applied that day. Each day, except in PR, we also add any Finance Charges assessed that day. Late Payment Fees, Returned Check Fees and credit insurance are not included. This gives us the "Daily Balance" of the Account. To determine the Average Daily Balance of the Account, we add together the Daily Balances for each day in the billing period and divide the total by the number of days in the billing period. Any Average Daily Balance of less than zero will be treated as zero.


WHEN FINANCE CHARGES BEGIN TO ACCRUE. If there is no Previous Balance for the billing period or the sum of your payments and credits for the billing period is at least equal to the Previous Balance, new Purchases and other charges in that billing period will begin to accrue a Finance Charge as of the first day of the next billing period if a Finance Charge is imposed in the next billing period. If there is a Previous Balance for the billing period, including any balance of Purchases made under any Special Payment Plan, and the sum of your payments and credits for the billing period is not at least equal to that Previous Balance, new Purchases and other charges will begin to accrue a Finance Charge from the later of the date of the transaction or the first day of the billing period in which the transaction is posted to your Account.



A. You must pay at least the Minimum Payment on your Statement by the Payment Due Date shown on the Statement. You may pay more than the Minimum Payment at any time. Your Minimum Payment will be the greater of: $15 or 1/20 of the New Balance, rounded to the next highest dollar. However, the Minimum Payment is the New Balance if the New Balance is less than $15. You must pay any past due amounts as part of your Minimum Payment.

B. All written communications concerning disputed amounts, including any check or other payment instrument that (i) indicates that the payment constitutes "payment in full" or is tendered as full satisfaction of a disputed amount, or (ii) is tendered with other conditions or limitations ("Disputed Payments"), must be mailed or delivered to us at the address for billing inquiries shown on the Statement, not the Payment Address.

C. All payments, except Disputed Payments, must be mailed or delivered to us at the address shown on your Statement (the "Payment Address"). Any payments received after 5:00 p.m. on any business day, or on any day other than a business day, will be credited on the next business day. Credit to your Account may be delayed up to five days if payment (a) is not received at the Payment Address, (b) is not made in U.S. dollars drawn on a U.S. financial institution located in the U.S., (c) is not accompanied by the remittance coupon attached to your statement, (d) contains more than one payment or remittance coupon, (e) is not received in the remittance envelope provided or (f) includes staples, paper clips, tape, a folded check, or correspondence of any type.

D. We reserve the right to select the method by which payments and credits are allocated to your Account in our sole discretion. Depending on how you use your Account, such as when you make payments, the amount of your payments and the types of transactions you make, the particular payment allocation method that we use may result in higher amounts of Finance Charges on your Account.

E. We reserve the right to obtain payment electronically for any check or other instrument that you send to us by initiating an ACH (electronic) debit in the amount of your check or instrument to your account. Your check or item will not be returned to you by us or your bank. Your bank account may be debited as early as the same day we receive your payment.


FEES. You agree to pay the following fees.      

A. A Late Payment Fee, based on your total new Account balance at the time your Delinquent Minimum Payment was calculated, as indicated below, if we have not received your Minimum Payment by the Payment Due Date shown on your Statement.

  Account Balance
  Late Payment Fee
  Under $30
  $30 and above

B. A Returned Check Fee of $15 ($10 in PR) if any check or other instrument sent to us, or any electronic payment authorization you provide us in payment on your Account, is not honored upon first presentment, even if the check, instrument or electronic authorization is later honored.


SPECIAL PAYMENT PLANS. From time to time, you may be offered special promotional terms which modify the terms of this Agreement with respect to certain Purchases on your Account ("Special Payment Plans"). The provisions of this Agreement apply to any Special Payment Plan, unless otherwise provided in this Agreement or under the Special Payment Plan offering.


TERMINATION/CHANGE IN TERMS. You may terminate your Account at any time by providing us written notice. We may, at any time and subject to applicable law, change, add or delete provisions of this Agreement ("Terms Change") or terminate your Account. Unless prohibited by applicable law, we may apply any Terms Change to any outstanding or future balances of your Account. We will send to you notice of any Terms Change as required by applicable law. Upon any termination of your Account, you remain obligated to repay the balance of your Account and this Agreement will continue to apply until you do so.


DEFAULT. Subject to the limitations of applicable law, we may declare you in default if you: (i) fail to make at least the Minimum Payment when due; (ii) violate any other term of this Agreement; or (iii) become the subject of a bankruptcy or insolvency proceeding. After your default or your death, and subject to the limitations of applicable law, we may: (i) reduce your Credit Limit; (ii) terminate your Account; (iii) require immediate payment of your entire Account balance; (iv) terminate any Special Payment Plan and convert any balance on such Plan to the standard terms and conditions of the Account; (v) bring an action to collect all amounts owed; and/or (vi) take any action allowed by law. If, after your default, we refer your Account for collection to an attorney who is not our salaried employee, you will pay, to the extent permitted by applicable law, our collection costs, including court costs and reasonable attorneys' fees.


LIABILITY FOR UNAUTHORIZED USE. The Card is issued to you by us at your request and you agree to destroy it upon demand. You may be liable for the unauthorized use of the Card. You agree to promptly notify us if your Card is lost or stolen or of possible unauthorized use of your Card by writing to P.O. Box 981401, El Paso, TX 79998-1401, or by calling us at 1-800-843-0875. You will not be liable for unauthorized use that occurs after you notify us of the loss, theft, or possible unauthorized use and, in any case, your liability for unauthorized use will not exceed $50 (in NY, you will have no liability for unauthorized use of the Card prior to the Effective Date). If you orally give us notice concerning loss or theft, you agree to confirm it in writing. You agree that unauthorized use does not include use by a person whom you have given authority to use the Account or Card and that you will be liable for all use by such a person. To terminate that authority, you must notify us at 1-800-843-0875.


CREDIT REPORTS AND ACCOUNT INFORMATION. You give us permission to request information and to make whatever inquiries we consider necessary and appropriate (including obtaining information from third parties and requesting consumer reports from consumer reporting agencies) for the purpose of considering your application for this Account and subsequently, in connection with any updates, renewals or extensions of credit or reviewing or collecting your Account. You also authorize us to report information concerning you or your Account, including information about your performance under this Agreement, to consumer reporting agencies and others who may properly receive such information. If you believe that we have reported inaccurate information about you to a consumer reporting agency, please contact us at P.O. Box 981400, El Paso, TX 79998-1400. In doing so, please identify the inaccurate information and tell us why you believe it is incorrect. If you have a copy of the credit report that includes the inaccurate information, please send a copy of that report to us as well. You are hereby notified that a negative credit report reflecting on your credit record may be submitted to a consumer reporting agency if you fail to fulfill the terms of this Agreement.


USE OF INFORMATION ABOUT YOU AND YOUR ACCOUNT. You authorize and direct us to furnish information about you and your Account to American Eagle Outfitters, Inc. (and its affiliates) for use in connection with the American Eagle Outfitters program, including to create and update their customer records, to assist them in better serving you, and to provide you with special promotions. In addition, you agree to the use of information about you and your Account described in the Privacy Policy. The Privacy Policy is a part of this Agreement and is enclosed or attached hereto.


TELEPHONE MONITORING. To ensure that you receive accurate and courteous customer service, on occasion your call may be monitored by other employees or agents and you agree to any such monitoring.


JOINT ACCOUNTS. If this is a joint account, each of you will be jointly and individually responsible for your obligations under this Agreement; notice to one of you will be considered to be notice to both of you; and we can rely on instructions from one of you, even if we receive inconsistent instructions from the other person.


WAIVER. We may, in our sole discretion, choose to not exercise any right under this Agreement, including the right to impose the full amount of any charge, without waiving that right. Any waiver of a right by us must be in writing and signed by us. Except as we may agree in a signed writing, we will not waive any rights if we (a) accept a late or partial payment, (b) accept a check or other payment marked "payment in full" or tendered with other conditions or limitations, (c) extend the due date of any payment due under this Agreement, and/or (d) release any collateral or person responsible for your obligations under this Agreement.


CHANGE OF ADDRESS. You will notify us promptly if you change your address. We may send Statements and other notices to your address in our records until we have a reasonable opportunity to update our records with any new address for you. You agree that when we are notified that you have a new address, the terms of this Agreement specifically applicable to the residents of your new state of residence will apply to the entire balance of your Account.


ARBITRATION PROVISION. Please read this arbitration provision ("Provision") carefully. It provides that, upon the election of either party, any legal dispute between the parties will be resolved by binding arbitration. This provision replaces any existing arbitration provision between you and Us.

    Definitions: As used in this Provision: "We," "Us," "Our" and similar terms mean (1) Synchrony Bank, and all of its respective parents, wholly or majority owned subsidiaries, affiliates, predecessors, successors, assigns, employees, officers and directors (collectively, the "Bank"), and (2) American Eagle Outfitters, Inc. and all of its respective parents, wholly or majority owned subsidiaries, affiliates, predecessors, successors, assigns, employees, officers and directors (collectively, "American Eagle Outfitters"), if American Eagle Outfitters is named as a co-party with the Bank in a Claim asserted by you.

    "Claim" means any dispute between you and Us that arises from or relates to your credit card account, the relationships that result from your account, this Agreement or any prior agreement or credit card account, including the enforceability or scope of this Provision. It includes disputes based on constitutional provisions, statutes, regulations, contracts, torts, and acts of every type (whether intentional, fraudulent, reckless, or negligent). It includes disputes that seek relief of any type, including injunctive, declaratory or damages. It includes disputes that arose before the Provision's effective date.

    "Administrator" means the National Arbitration Forum, P.O. Box 50191, Minneapolis, MN 55405,, (800) 474-2371 or American Arbitration Association, 335 Madison Avenue, New York NY 10017,, (800) 778-7879.

    IMPORTANT NOTICE AND LIMITATIONS: If you or We elect to arbitrate a Claim, neither you nor We will have the right: (1) to have a court or a jury decide the Claim; (2) to engage in discovery (i.e., the right to obtain information from the other party) to the same extent that you or We could in court; (3) to participate in a class action in court or in arbitration, either as a class representative or a class member; (4) to act as a private attorney general in court or in arbitration; or (5) to join or consolidate your Claim(s) with Claims of any other person. The right to appeal is more limited in arbitration than in court. Other rights that you would have if you went to court may also not be available in arbitration. Only a court may determine the validity and effect of the language in this paragraph. If a court should hold this language to be invalid, then the entire Provision shall be null and void.

    Right to Reject Arbitration: You may reject this Arbitration Provision, in which event neither you nor We will have the right to require arbitration of any Claim. Rejection of the Provision will not affect any other aspect of this Agreement. To reject the Provision, you must send us a notice ("Rejection Notice") that we receive within sixty (60) days after you have applied for your credit card account. Any Rejection Notice will apply only to this Arbitration Provision and not to any other arbitration provision or arbitration agreement, which may apply to a prior agreement with Us. The Rejection Notice must include your name, address, and account number. You must mail your Rejection Notice to Arbitration Opt Out, American Eagle Outfitters, PO Box 981400, El Paso, TX 79998-1400. In the event of any dispute concerning whether you have provided a timely Rejection Notice, you must provide a signed receipt. This is the only method you can use to reject the Arbitration Provision. If the Rejection Notice is sent on your behalf by a third party, such third party must include evidence of his or her authority to submit the Rejection Notice on your behalf.

    Scope: This Provision covers all Claims, except that We will not elect to arbitrate an individual Claim brought in small claims court or its equivalent, unless that Claim is transferred, removed, or appealed to a different court.

    Starting an Arbitration: To start an arbitration, you or We must give written notice of an election to arbitrate. You must send this notice to GE Consumer Finance, Legal Operations, 1600 Summer Street, Fifth Floor, Stamford, CT 06905. Notice can be given after a lawsuit has been filed, in which case it can be made in papers in the lawsuit. If a notice electing arbitration is given, the Claims shall be resolved by arbitration under this Provision and the rules of the Administrator. You can choose the Administrator in your notice, or by informing Us of your election in writing within twenty (20) days after Our election to arbitrate. The arbitrator will be selected under the Administrator's rules, except that the arbitrator must be a lawyer with at least ten years of experience.

    Location and Costs: Any arbitration hearing that you attend will take place in a location that is reasonably convenient for you. At your written request, we will pay all filing, administrative, hearing and/or other fees charged by the Administrator or arbitrator for Claim(s) asserted by you in the arbitration up to $2,500. If you are required to pay any fees in excess of $2,500 and are unable to obtain a hardship waiver from the Administrator, we will consider in good faith a reasonable written request by you to pay all or part of such additional fees. Each party must pay for its own attorneys, experts, and witnesses, regardless of who wins the arbitration, except where applicable law and/or the Administrator's rules provide otherwise. However, we will not seek or accept reimbursement from you of amounts paid by us for attorneys, experts, and witnesses. We will under all circumstances pay any fees or expenses we are required to pay by law.

    Governing Law and Discovery (Getting Information): This Agreement involves interstate commerce and this Provision shall be governed by the Federal Arbitration Act, 9 U.S.C. Section 1 et seq. ("FAA"), and not by any state law concerning arbitration. The arbitrator shall follow applicable substantive law to the extent consistent with the FAA, this Arbitration Agreement, the Administrator's rules, statutes of limitation and claims of privilege, and shall be authorized to award all remedies permitted by the substantive law that would apply if the action were pending in court. Upon the timely request of either party, the arbitrator shall write an explanation of the award's basis. The arbitrator will set rules of procedure and evidence consistent with the FAA, this Provision, and the Administrator's rules. In addition to the parties' rights to obtain information under the Administrator's rules, either party may ask the arbitrator to allow it to obtain more information from the other party.

    Effect of Arbitration Award: Any appropriate court may enter judgment upon the arbitrator's award. The arbitrator's decision will be final and binding except for: (1) any appeal right under the FAA; and (2) any party may appeal awards of more than $100,000 to a three-arbitrator panel appointed by the Administrator, which will reconsider de novo any aspect of the appealed award. The panel's decision will be final and binding, except for any appeal right under the FAA. Unless applicable law provides otherwise, the appealing party will pay the appeal's cost, regardless of its outcome. However, We will consider any reasonable written request for Us to bear the cost.

    Continued Effect of Arbitration Provision: This Provision will survive the termination of account and remain in force no matter what happens to you or your account. A party who has asserted a Claim in a lawsuit may still elect to arbitrate any other Claim asserted in the same lawsuit by another party. Except as otherwise provided above, if any portion of this Provision cannot be enforced, the rest of the Provision will continue to apply. In the event of any conflict or inconsistency between this Provision, and the Administrator's rules or other provisions of this Agreement, this Provision will govern.


GOVERNING LAW. This Agreement and your Account and any claim, dispute or controversy arising from or relating to this Agreement or your Account, whether based on contract, tort, fraud and other intentional torts, statute, common law and/or equity, are governed by and construed in accordance with the laws of the State of Utah (without regard to internal principles of conflicts of law), and applicable federal law. The legality, enforceability and interpretation of this agreement and the amounts contracted for, charged and received under this Agreement will be governed by such laws. This Agreement is entered into between you and us in Utah. We make decisions about granting credit to you from, extend credit to you under this agreement from, and accept your payments in Utah.


ASSIGNMENT. We may sell, assign or transfer any of our rights or obligations under this Agreement or your Account, including our rights to payments, without prior notice to you. You may not sell, assign or transfer any of your rights or obligations under this Agreement or your Account.


SEVERABILITY. If any provision of this Agreement is determined to be void or unenforceable under applicable law, rule, or regulation, all other provisions of this Agreement shall still be valid and enforceable.


ENTIRE AGREEMENT. This Agreement, together with any application you signed or otherwise submitted in connection with the Account (which is hereby incorporated by reference in this Agreement), constitutes the entire agreement between you and us relating to your Account and supersedes any other prior or contemporaneous agreement between you and us relating to your Account. This Agreement may not be amended except in accordance with the provisions of this Agreement.



Service (finance) charges at rates not in excess of those permitted by law will be charged on outstanding balances from month to month.

NEW JERSEY RESIDENTS: Because certain provisions of this Agreement are subject to applicable laws, they may be void, unenforceable or inapplicable in some jurisdictions. None of these provisions, however, is void, unenforceable or inapplicable in New Jersey.

PUERTO RICO RESIDENTS: You may request a copy of this Agreement in Spanish.



Your signature on the application or sales slip for the initial purchase approved on this Account represents your signature on this Agreement and is incorporated by reference.

Margaret Keane, Executive Vice President
Synchrony Bank



Notice: The following is important information regarding your right to dispute billing errors.

This notice contains important information about your rights and our responsibilities under the Fair Credit Billing Act.

Notify Us in Case of Errors or Questions About Your Bill.
If you think your bill is wrong, or if you need more information about a transaction on your bill, write us on a separate sheet at the address shown on your Statement under billing inquiries. Write to us as soon as possible. We must hear from you no later than 60 days after we sent you the first bill on which the error or problem appeared. You can telephone us, but doing so will not preserve your rights.
      In your letter, give us the following information:
       Your name and Account number.
       The dollar amount of the suspected error.
       Describe the error and explain, if you can, why you believe there is an error. If you need more information, describe the item you are          not sure about.

Your Rights and Our Responsibilities After We Receive Your Written Notice
We must acknowledge your letter within 30 days, unless we have corrected the error by then. Within 90 days, we must either correct the error or explain why we believe the bill was correct.

After we receive your letter, we cannot try to collect any amount you question, or report you as delinquent. We can continue to bill you for the amount you question, including finance charges, and we can apply any unpaid amount against your credit limit. You do not have to pay any questioned amount while we are investigating, but you are still obligated to pay the parts of your bill that are not in question.

If we find that we made a mistake on your bill, you will not have to pay any finance charges related to any questioned amount. If we didn't make a mistake, you may have to pay finance charges, and you will have to make up any missed payments on the questioned amount. In either case, we will send you a statement of the amount you owe and the date that it is due.

If you fail to pay the amount that we think you owe, we may report you as delinquent. However, if our explanation does not satisfy you and you write to us within ten days telling us that you still refuse to pay, we must tell anyone we report you to that you have a question about your bill. And, we must tell you the name of anyone we reported you to. We must tell anyone we report you to that the matter has been settled between us when it finally is.

If we don't follow these rules, we can't collect the first $50 of the questioned amount, even if your bill was correct.

Special Rule for Credit Card Purchases
If you have a problem with the quality of property or services that you purchased with a credit card, and you have tried in good faith to correct the problem with the merchant, you may have the right not to pay the remaining amount due on the property or services. There are two limitations on this right:


You must have made the purchase in your home state or, if not within your home state, within 100 miles of your current mailing address; and


The purchase price must have been more than $50.

     These limitations do not apply if we own or operate the merchant, or if we mailed you the advertisement for the property or services.

American Eagle Outfitters Consumer Credit Card Program
Synchrony Bank
Privacy Policy

This Privacy Policy describes our information collection and sharing practices. Please read it carefully. The Policy applies only to current and former customers and applicants in their relationships with us relating to consumer American Eagle Outfitters Credit Card Accounts of Synchrony Bank ("we" or "us").

Information We Collect We collect personally identifiable information about you (such as your address, phone number, social security number, mother's maiden name and transaction information about items purchased, payments and payment method), for identification, account management, servicing and marketing purposes. We obtain information about you directly from you (such as on application forms), through your use of our products and services, and in some cases, from third parties (such as credit bureaus and demographic firms). Occasionally, we may also collect information about you online using "cookies" (small pieces of data stored by your Internet browser on your computer) or other technology that may be used to remember passwords for you, to track your website usage with us, and to provide you with customized content, among other things.

Information We Share with Others We may use and share all of the information described above, subject to applicable law, with the following (these examples are not intended to be all-inclusive):

American Eagle Outfitters, Inc. and its affiliates, for use in connection with the consumer American Eagle Outfitters Credit Card program and as otherwise permitted by law. They may use this information to update their records, to provide you with notices of special promotions and other tailored offerings, to answer questions about your Account and perform other American Eagle Outfitters Credit Card program functions or for other purposes permitted by law. They may use their affiliates, licensees, or third-party service providers (such as modeling and database companies) to assist them in any of these activities.

Service Providers, (including our affiliates) to assist us in servicing Accounts, like preparing billing statements and promotional materials, and responding to customer inquiries. We also may use marketing firms, such as modeling companies, to assist us in our own marketing efforts.

Financial Institutions with Whom We Jointly Offer Financial Products, such as loan products or credit insurance. If your billing address is in Vermont, this information will be limited to your name and contact information, and transaction and experience information on your Account.

Our Affiliates, who are other companies in the General Electric Company corporate family ("GE Family"), for servicing or marketing purposes, subject to your right to opt out of sharing of credit eligibility information, such as certain information from credit bureaus and your application, as provided in the It's Your Choice section below. And, subject to your right to opt out, our affiliates also may use information from us concerning your credit eligibility, and your transactions and experience with us, to send you marketing solicitations about products and services.

Third Parties, who are interested in offering special products or services to you, subject to your right to opt out as provided in the It's Your Choice section. For example, we disclose information, either directly or through American Eagle Outfitters, Inc., to financial services providers offering products such as insurance, mortgages or loans, and nonfinancial companies offering consumer products and services. We may disclose name, address and telephone numbers, as well as Account purchase and performance history.

Others: We report Account information, such as credit limit, balances and payment information, to credit bureaus. In addition, we may buy and sell assets, lines of business and/or Accounts. When this occurs, customer information generally is disclosed to bidders and is one of the transferred business assets. We also disclose information about you to third parties in certain other circumstances, as permitted by law.

Our Security Procedures We maintain physical, electronic, and procedural safeguards that comply with federal standards to guard nonpublic personal information about you. We limit access to personal and Account information to those employees and agents who assist us in providing products and services to you. We also require third parties to whom we disclose nonpublic personal information to adhere to this Privacy Policy and to establish information security procedures.

Your Access to Information We provide you access to information about your Account by sending you monthly billing statements outlining your transactions, finance charges, and other Account information, and by providing customer service representatives to answer your questions.

How This Policy Applies to You The examples contained in this Privacy Policy are illustrations only, and are not intended to be all-inclusive. If you decide to close your Account or become an inactive customer, or if we close or suspend your Account, we will continue to adhere to the privacy policies and practices described in this notice to the extent we retain information about you. We may amend this Privacy Policy at any time, and we will inform you of changes as required by law. You may have other privacy protections under state laws and we will comply with applicable state laws when we disclose information about you. This Privacy Policy applies only to consumer American Eagle Outfitters Credit Card Accounts of SYNCB and does not apply to any other accounts you may have with us, and replaces our previous disclosures to you about our information practices.

It's Your Choice You have the right to opt out of our sharing of information with certain third parties, as described below. To opt out please call us toll-free at 1-877-969-9027, or write to us at P.O. Box 981400, El Paso, TX 79998-1400. If you have previously informed us of your preference, you do not need to do so again.

Please do not share information about me with companies outside the GE Family, other than with American Eagle Outfitters, Inc. and its affiliates for use in connection with the American Eagle Outfitters Credit Card program and as otherwise permitted by law. Please do not share with companies within the GE Family information you use to determine my eligibility for credit.

Important Notes About Your Choice

Please understand that, even if you opt out as described above, we will continue to share information with the retailer associated with your Account, joint marketing partners and service providers as described in this policy, and as otherwise permitted by law. And we will continue to share information that identifies you, and about your transactions and experiences with us, with companies within the GE Family.

If you have a joint account, a request by one party will apply to all parties on the account.

We will process your request promptly. However, it may take us several weeks to ensure that all records are updated with your preference. In the interim, you may continue to be included in programs as described above. Also, after your request is processed, you may still be contacted by our affiliates and/or other companies based on their own information.

Even if you opt out, we will continue to provide you with billing inserts and mail notices of special offers and new benefits.

Vermont Residents: If (and while) your billing address is in Vermont, we will treat your Account as if you had exercised the opt-out choice described above and you do not need to contact us in order to opt out. If you move from Vermont and you wish to restrict us from sharing information about you as provided in this Policy, you must then contact us to exercise the opt-out choice described above.

Federal law requires us to obtain, verify, and record information that identifies you when you open an account.
We will use your name, address, date of birth and other information for this purpose.

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