Terms & Conditions | Chase +1 Student Credit Card Program

Chase +1^SM Student Credit Card Program (or the "Program") Terms and Conditions

Issuer
Your Chase +1^SM Credit Card account ("Account") is issued by Chase Bank USA, N.A. (herein after "we", "our", or "us") located in Wilmington, DE. In these Program Rules, "you", "your", means the Chase Cardmember(s) obligated on the Account enrolled in the Program noted above.

Membership
When you join the Chase +1 credit card program, you must be a Chase +1 Student Credit cardholder and register your Account at ChasePlus1.com. As a member you will be eligible to earn Karma Points that may be redeemed for reward items. Your ability to earn Karma Points and redeem for reward items will remain open as long as your registered Account remains open and is not in default and you comply with the earning restrictions described herein. The Program is not subject to an annual fee.

Earning Rewards
Karma Points may be earned through promotions listed on the Chase +1 Page on the Facebook website at www.facebook.com/plus1 or ChasePlus1.com. Earning Karma Points is subject to the terms and conditions of the particular promotion. After you initially join the Chase +1 Program at ChasePlus1.com, in order to earn and redeem additional Karma Points through the Program, you must be a Chase +1 cardmember, activate your credit card, and register your Account. If you do not register your card prior to earning Karma Points, the Karma Points earned will be forfeited unless you do not subsequently register your Account within six months of the date the Karma Points were earned. Your ability to earn and redeem Karma Points will be based on the status of your Account. If your Chase credit card account is in default as described in your Cardmember Agreement ("Agreement"), we reserve the right to prohibit you from earning or redeeming Karma Points and to cause you to forfeit any Karma Points. If your Account is closed for any reason, your membership in the Program will be terminated and the total balance of your accumulated Karma Points will be forfeited. You will forfeit any unredeemed Karma Points if you leave the Chase +1 Program or the Program is terminated.

Karma Points will be posted at ChasePlus1.com. Please allow 6 to 8 weeks after each activity for which you will earn Karma Points. In addition to any other activities for which we may decide to offer Karma Points, you will earn twenty (20) Karma Points for your first purchase using the card. A first purchase does not include a balance transfer or cash advances. Karma Points are also earned if you pay on time. You will earn 2 Karma Points for each month your account is in good standing and you pay your Account on time. If you pay your Account on time for six (6) consecutive months, and your Account is otherwise in good standing, you will earn an additional eight (8) bonus points. To pay on time, you must make at least a minimum payment on your Chase +1 Credit Card before the due date indicated on your Account statement. Karma Points will only be awarded for on time payments with respect to payments that are due on or after 7/20/2008.

Earning Restrictions
Karma Points earned are not transferable outside of the Program and have no cash value. If there is any abuse of the Program, failure to follow Program terms or any misrepresentation by you, all unredeemed Karma Points shall be forfeited and no additional Karma Points shall accumulate. Other than the bonus points for six consecutive on time payments, you may not earn additional Karma Points by repeating the same earning activity.

Expiration
Karma Points will expire after 12 months of inactivity at ChasePlus1.com. Inactivity means you have not passed, earned, redeemed or shared Karma Points. If you fail to register your Account with the Chase +1 credit card program through ChasePlus1.com, you are not eligible to earn or redeem Karma Points.

Redemption Process
Once you accumulate Karma Points, you will be eligible to redeem them for your selected reward item. To redeem your Karma Points, visit the Chase +1 Store at ChasePlus1.com. You may only redeem Karma Points earned or passed to you by another member. Any Karma Points that are passed to another member or one of the charities eligible to receive Karma Points are no longer part of your Account. Allow 4-6 weeks for delivery of the reward you have selected. In certain circumstances the delivery time may be longer. Country of item's origin may change. Some rewards cannot be shipped to PO Boxes or foreign addresses.

Reward Restrictions
Rewards items are not refundable, replaceable, or transferable for cash, credit, or other rewards under any circumstances. Lost, stolen or mutilated reward items will not be replaced. Redeemed rewards earned in the Program may not be re-sold or exchanged for other goods or services except as stated on the reward. Certain rewards are available only during the time periods described in the Program communications. We may substitute rewards of equal or greater value as necessary at our discretion. Some rewards have limited availability. Reward items are valid at participating merchants only, through the expiration date, if any, as permitted by law. Merchants participating in the Program are subject to change. Reward items have no cash value and may not be redeemed for cash or its equivalent, and any unused portion may not be returned for cash unless otherwise noted on the reward items. Use of any reward item is subject to any additional restrictions listed on the reward item.

Reward Delivery
Allow 4-6 weeks for delivery of the reward earned. In certain circumstances the delivery time may be longer. Country of item's origin may change. Some rewards cannot be shipped to PO Boxes or foreign addresses.

Additional Obligations/Affiliations
You are responsible for any personal tax liability related to participating in the Program.

Program Restrictions
We reserve the right to approve, deny or revoke participation in the Program to any individual for any reason whatsoever.

Right to Change/Modify/Cancel
The Program and benefits are offered at our sole discretion. We reserve the right to alter or waive any Program feature or benefit prospectively or retroactively, including, without limitation, point accrual or redemption criteria, or to cancel or temporarily suspend the Program at any time without prior notice.

Program Responsibility
Individual merchants and service providers are responsible for the quality and performance of any goods supplied as reward items for this Program. Any rules of the merchants relating to returns and exchanges apply. We are not affiliated with Noise Marketing LLC or any third party vendors that provide reward items and are not responsible for goods or services offered as reward items through the Program. Questions regarding the Chase +1 Student Program should be directed to the Chase +1 contact form or 1-866-47-PLUS1. Noise Marketing, LLC, provides administrative services for the reward redemption for the Program on our behalf. Neither Chase nor Noise Marketing shall be liable for any bodily harm and/or property damage and/or lost opportunity, which may result from participating in the Program or for the provision of goods or services by award merchants or service providers.

Program Void
The Program is void where prohibited by federal, state, or local law. We have no other obligation with respect to the program beyond those described in these and the Redemption Rules and Regulations.