Detected in the CFPB-filed cardholder agreements from One Nevada Credit Union. 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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“…EPTEMBER 2018 For questions about your balance, call the customer service number on your Visa statement. SECURITY AGREEMENT: SECURITY AGREEMENT: Non- BINDING ARBITRATION: EXCEPT AS SPECIFICALLY Purchase-Money Security Interests Payments on your Account PROVIDED HEREIN, THE ARBITRATION PROVISION IN THIS are secured by…”
You can't band together with other cardholders in a class action.
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“…ing under this ANYONE OF THEIR BEHALF CAN PURSUE ANY CLAIM OR Agreement; and the Credit Union shall have all of the rights of DISPUTE IN ANY CLASS OR REPRESENTATIVE CAPACITY. a secured party in accordance with Article Nine of the Uniform IT IS THE INTENT OF THE PARTIES HERETO TO PROVIDE Commercial Code and/or other applic…”
Balance computationAverage daily balance including new purchases
Additional fees
Returned Payment$35
Statement Copy Fee$5
Rewards, benefits and features
Rewards
Cashback rewards
Travel-related rewards
Services
Access to Free Credit Scores
Automobile rental insurance
Debt cancellation coverage
Features
Contactless Payments
Chip card
Mobile wallet provisioning (for example, Apple Pay)
Who can get this card
AvailabilityNational
Membership requirementsYes
RequirementOther. Please Describe:
Balance transfer
This card does not offer a balance transfer rate.
Cost to carry a balance
Interest for a year at 16.25%$487.50
Annual / periodic fees$0
Total yearly cost$487.50
Simple interest on a constant balance — a plain-language upper bound rather than an amortisation schedule. Paying in full each month within the 21-day grace period avoids the interest entirely.
Cardholder agreements
1 document filed by One Nevada Credit Union in the 2026 Q1 archive.