By applying for and using your UAC Business Credit Account, you agree to these Terms and Conditions. This Agreement is between you (the Account Holder) and United Auto Components, Inc. These terms govern all credit extended by UAC for the purchase of automotive parts and components. UAC reserves the right to modify these terms with 30 days' written notice to the address on file.

Credit limits are established based on your creditworthiness and business profile. The Annual Percentage Rate (APR) for purchases is Prime Rate + 9.99%, reviewed monthly. The minimum finance charge is $2.00 per billing period. Interest is calculated using the average daily balance method. Your credit limit, current APR, and available credit are shown on every monthly statement.

Late Payment Fee: $35 or 5% of past-due amount (whichever is greater). Returned Payment Fee: $35 per occurrence. Over-Limit Fee: $29 per occurrence. Annual Maintenance Fee: $50 (waived for accounts with $10,000+ annual purchases). Paper Statement Fee: $5/month (waived with e-statements). Wire Transfer Fee: $15. All fees are subject to change with 30 days' advance notice.

Payment is due on the date shown on your monthly statement (Net 30 terms). The minimum payment is the greater of $50 or 3% of the outstanding balance. Payments received after 5:00 PM CT on the due date are considered late. UAC accepts ACH bank transfer, check, wire transfer, or credit card (subject to a 2.5% processing fee). Early payment discounts of 1% may apply for payment within 10 days.

Your account is in default if: payment is not received by the due date; a payment is returned unpaid; you exceed your credit limit; or you file for bankruptcy. Upon default, UAC may suspend your account and accelerate the full balance to be immediately due. To dispute a charge, notify UAC in writing within 60 days of the statement date at creditdisputes@uac.com. We will investigate and respond within 30 days.