Paste it anywhere on your site. The badge links back to this page — a real, crawlable link, not an image.
Contract X-Ray — what's buried in the fine print
2 red flags · 36 filed docs
Detected in the CFPB-filed cardholder agreements from 1st United Credit Union. Verbatim quotes below — CardSleuth flags the language; this isn't legal advice.
Class-action waiver
You can't band together with other cardholders in a class action.
Show the exact wording ↓Hide wording ↑
“…th the terms of this Agreement, the terms of this Agreement will control. 26. ARBITRATION This Account is subject to all terms of the Arbitration and Waiver of Class Action provision ( Arbitration Agreement ) included in the Member Account Agreement and Disclosure provided to You at membership opening, which is in…”
Slip up and your rate can jump to a much higher penalty APR.
Jumps to ~19.9%
Show the exact wording ↓Hide wording ↑
“….40% 21.40%, when you open your account, based on your 13.90% to 23.90% creditworthiness. This APR will vary with the market based on the Prime Rate. Penalty APR and When it Applies Visa Platinum 16.40% 26.40% , when you open your account, based on your 18.90% to 28.90% creditworthiness. This APR will vary wit…”
“…isa Rewards 14.90% to 24.90%, when you open your account, based on your creditworthiness. This APR will vary with the market based on the Prime Rate. Penalty APR and When it Applies Visa Platinum 19.90% to 29.90%, when you open your account, based on your creditworthiness. This APR will vary with the market ba…”
“….40% 21.40%, when you open your account, based on your 14.90% to 24.90% creditworthiness. This APR will vary with the market based on the Prime Rate. Penalty APR and When it Applies Visa Platinum 16.40% 26.40% , when you open your account, based on your 16.90% to 29.90% creditworthiness. This APR will vary wit…”