What must be included in the documentation relayed to cardholders regarding fees?

The documentation relayed to cardholders regarding fees must include interest rates, fees, and terms affecting billing because this information is crucial for transparency and informed decision-making. Cardholders need to understand the costs associated with their accounts, including any charges that could impact their financial obligations. This ensures compliance with regulatory requirements, as many jurisdictions mandate that financial institutions disclose such information clearly. By providing specific details about interest rates, fees, and billing terms, cardholders can better manage their finances and avoid potential pitfalls associated with unexpected charges or conditions. This level of detail promotes accountability and helps build trust between consumers and financial providers.