Your true spending limit is determined by your available balance. If none of these reasons apply and you are still unable to reach an agreement, call them to request a copy of your agreement. Under federal law, your credit card issuer is required to provide a copy of your agreement upon request. The drop-down list includes credit card issuers that have submitted credit card agreements in accordance with section 204 of the Credit Card Accountability Responsibility and Disclosure Act 2009 (CARD Act). If you can`t find a card issuer, it can be: Overtime: An additional delay is a period during which no interest is calculated. This is usually between the end of a credit card`s billing cycle and the payment due date….