Detected in the CFPB-filed cardholder agreements from Barclays Bank Delaware. Verbatim quotes below — CardSleuth flags the language; this isn't legal advice.
Forced arbitration with no opt-out found — you likely can't take this issuer to court, and there's no way to reject it.
Forced arbitration
You give up your right to sue in court — disputes are pushed into private arbitration.
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“…. Box 8801, Wilmington, DE 19899-8801, or calling us at 1-888- 232-0780 [ADA/Accessibility Services- Please use Relay Service 711]. ARBITRATION. THIS ARBITRATION PROVISION DOES NOT APPLY TO YOU IF YOU ARE SUBJECT TO THE PROTECTIONS OF THE MILITARY LENDING ACT. This arbitration provision provides for binding arbitration…”
You can't band together with other cardholders in a class action.
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“…ation agreement is made pursuant to a transaction involving interstate commerce, and shall be governed by the Federal Arbitration Act, 9 U.S.C. 1-16. No class actions, joinder or consolidation of any Claim with a Claim of any other person or entity shall be allowable in arbitration, without the written consent of b…”
“No interest if paid in full” — miss the deadline and you're billed interest back to day one.
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“…: 1% of the Principal Balance (defined below), Any interest charges billed on the monthly statement (excluding any interest charges that accrued on a deferred interest balance that ended during the billing cycle covered by the statement), Any Minimum Interest Charge, Any Returned Payment Fee, and Any Late Payment Fe…”
The purchase rate was not broken out by credit tier — the issuer reported a single range.
Lowest offered33.24%
Median33.62%
Highest offered33.99%
Cash advance APR
The cash advance rate was not broken out by credit tier — the issuer reported a single range.
Lowest offered33.24%
Median33.62%
Highest offered33.99%
Every fee on this card
Annual feeNone
Balance transfer feegreater of 5% or $5
Cash advance feegreater of 5% or $10
Foreign transaction fee3%
Purchase transaction feeNone
Late fee$30
Repeat late fee (6 mo)$41
Over-limit feeNone
Minimum finance charge$2
Balance computationOther
Additional fees
Returned Payment fee$41
Rewards, benefits and features
Rewards
Other rewards
Services
Access to Free Credit Scores
Automobile rental insurance
Discounts on purchases of goods and services (non travel related)
Other
Features
Contactless Payments
Chip card
Mobile wallet provisioning (for example, Apple Pay)
Issuer note: Other Rewards (store point rewards & first purchase discount)
Who can get this card
AvailabilityNational
Membership requirementsOpen to the public
Phone8666037217
Balance transfer
This card does not offer a balance transfer rate.
Cost to carry a balance
Interest for a year at 33.62%$1,008.60
Annual / periodic fees$0
Total yearly cost$1,008.60
Simple interest on a constant balance — a plain-language upper bound rather than an amortisation schedule. Paying in full each month within the 23-day grace period avoids the interest entirely.
Cardholder agreements
9 documents filed by Barclays Bank Delaware in the 2026 Q1 archive.