Dear Customer, Thank you for choosing to open a charge account with us at [Company Name]. We appreciate your business and would like to provide you with the detailed terms and conditions for your West Virginia charge account. Please review the following information carefully and feel free to contact us if you have any questions. 1. Account Usage: — This charge account is intended for the sole purpose of purchasing goods or services from our company. — All charges made on the account must be for personal or business use and not for resale. 2. Credit Limit: — Your credit limit for this account is based on our evaluation of your creditworthiness and may be subject to change. — Exceeding your credit limit may result in declined transactions or additional fees. 3. Billing and Payment: — Monthly statements will be sent to your billing address or provided electronically if preferred. — Payment is due in full by the due date specified on the statement. — Late payments may be subject to late fees and potential interest charges as permitted by West Virginia law. 4. Interest and Finance Charges: — If you carry a balance beyond the grace period, interest charges may apply on the unpaid balance as determined by your contract with us. — Finance charges will be calculated based on the applicable Annual Percentage Rate (APR) disclosed in your account agreement. 5. Returns and Disputes: — Any discrepancies or disputes regarding charges on your account should be reported to us within the time frame specified in your account agreement. — Returns of merchandise will be subject to our return policy. 6. Account Closure: — You have the right to close your charge account at any time by notifying us in writing. — If the account is not closed, it may remain active until the balance is fully paid. Please note that this is a generic West Virginia sample letter for charge account terms and conditions. Depending on the specific policies and regulations of different companies or financial institutions, there might be variations in the terms and conditions, such as interest rates, late fees, or specific provisions for certain types of charge accounts (e.g., retail charge accounts, corporate charge accounts, etc.). It is essential to review the terms and conditions provided by your specific provider for the most accurate and relevant information. We hope you find this information valuable and appreciate your trust in our company. Should you have any concerns or inquiries about your charge account, please don't hesitate to contact our customer service department. Sincerely, [Your Name] [Company Name] [Contact Information]