Can anyone refer me to instructions that state who is responsible for providing the initial notices, new account notices, and annual notices in the case of private brand credit cards?
First, there is the bank whose name is on the application and card, but has nothing to do with the account other than making the application available.
Then there is the servicing bank where the customer mails the application, who approves the application, and who services the
account once established.
The servicing bank is named on the application so there is no confusion about where the application is going.