Truth in Lending: 6.5.4.4.3 Alternative to disclosures
A card issuer may also provide a statement on the application or solicitation that there are costs associated with the use of the credit or charge card and that the applicant can contact the card issuer to request specific information about those costs by calling a toll-free telephone number or by writing to an address specified on the application or solicitation.845 The card issuer would have to provide both a toll-free telephone number (for nonlocal calls made from an area code other than that used in the card issuer’s dialing area) and a