并且，他们还必须清楚地载明持卡人协议，并且将协议在网上发布。
And they will have to write their cardholder agreements clearly and publish them online.
进一步说，大多数持卡人协议允许发卡机构以任何他们觉得合适的理由，肆意提高利率。
Further, most card holder agreements enable the issuer to arbitrarily raise the interest rate for any reason they see fit.
这是至关重要的是，持卡人了解什么是写在自己的会员卡协议。
It is essential that a cardholder understand what is written in their card member agreement.
这是至关重要的是，持卡人了解什么是写在自己的会员卡协议。
It is essential that a cardholder understand what is written in their card member agreement.
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