Visit Citizens for cardholder agreements and card terms. Our sample credit card agreements will give you an idea of what to expect as a cardholder.You will be billed the foreign transaction fee for these Purchases and Cash Advances made in foreign currency in the amount shown on page 1. THIS CENTRALIZED CONTRACT (hereinafter "Contract" or "Agreement") for the acquisition of Payment Processing. When shopping for a credit card, it pays to understand the terms of your agreement. Learn more about what the rate and fee information might be.