Terms of Service
Please read the following terms of service carefully. By using our services, you agree to comply with these terms and conditions.
Last Updated: December 2024
We provide professional U.S. credit card application tutorials and agency services, including but not limited to:
Tutorial Assistance Package ($99)
Complete application preparation guidance tutorial, bank card selection recommendation guide, step-by-step application process explanation, one-on-one assistance from professionals, one-time payment with lifetime access, full refund if unsuccessful within 30 days.
Full-Service Package ($399)
Professional full-service application handling, material preparation and strategy guidance, bank communication and follow-up with real-time application status updates, one-time payment with no additional fees, one-on-one premium customer service, full refund if application fails.
Customer Support Services
Professional customer support including answering questions during the application process, technical support, and application status tracking.
Information Security Assurance
Strict protection of customer personal information and financial data, using industry-standard security measures to ensure data safety.
When using our services, you need to comply with the following obligations:
- Provide true, accurate, and complete personal information
- Cooperate with our service processes and requirements in a timely manner
- Comply with regulations of relevant banks and financial institutions
- Not use our services for any illegal activities
- Protect your account information and login credentials
- Truthfully disclose any circumstances that may affect the application
Detailed terms regarding service fees and payments:
Service Fees
Tutorial assistance package fee is $99, full-service package fee is $399. Fees include all service content with no additional hidden charges.
Payment Methods
Support multiple secure online payment methods including credit cards, debit cards, PayPal, etc. All payments are processed through secure encrypted channels.
Payment Timing
Service fees must be paid in full before we begin providing services. Once payment is successful, we will immediately begin providing corresponding services.
Invoices and Receipts
After successful payment, we will provide you with an electronic receipt. If you need a formal invoice, please specify when making payment and provide necessary billing information.
Currency and Exchange Rates
All fees are priced in U.S. dollars. If paying in other currencies, conversion will be based on exchange rates at the time of payment, which may result in rate differences.
We provide clear refund guarantees under the following conditions:
Tutorial Assistance Package Refund
If you fail to successfully apply for a credit card within 30 days and it is confirmed to be due to inadequate tutorial guidance on our part, a full refund will be provided.
Full-Service Package Refund
If the application fails and it is confirmed not to be due to false information provided by the customer or lack of cooperation, a full refund will be provided.
Refund Application Process
Refund applications must be submitted within the specified time period with relevant supporting materials. We will process applications within 7 business days of receipt.
Refund Processing Time
Refunds will be returned to your payment account within 3-5 business days after approval. Actual arrival time depends on the payment institution's processing speed.
Non-Refundable Situations
No refunds for application failures due to customer providing false information, non-cooperation with service processes, violation of terms of service, or other non-company reasons.
Please note the following important disclaimers:
No Guarantee of Application Results
While we have extensive experience and high success rates, the final decision on credit card applications rests with the banks, and we cannot guarantee 100% application success.
Third-Party Services
We may use third-party service providers to handle payments, emails, and other services. We are not responsible for interruptions or failures of third-party services.
Information Accuracy
We strive to ensure the accuracy of information provided, but bank policies and requirements may change at any time, and we are not responsible for the timeliness of information.
Technical Failures
For service interruptions caused by network failures, system maintenance, force majeure, and other factors, we will try our best to restore service but are not responsible for related losses.
Our liability limitations are as follows:
- Our total liability does not exceed the amount of service fees you paid
- Not liable for any indirect losses, profit losses, or opportunity costs
- Not responsible for any consequential damages arising from the use of our services
- Not liable for any losses arising from customer violations of terms of service
- Not responsible for decisions or actions of third parties (including banks)
- Limit our liability to the maximum extent permitted by law
If you have any questions about the terms of service or need assistance, please contact us through the following methods:
Email: support@uscardbiz.com
Response Time: We will respond within 24 hours of receiving your inquiry