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Contract X-Ray — what's buried in the fine print
2 red flags · 2 filed docs
Detected in the CFPB-filed cardholder agreements from Achieva 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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“…n your credit, security, or membership agreements that contradict the above terms do not apply to your credit card. As a condition of membership, the arbitration provision set forth in the Universal Account Agreement applies to this account unless you are an active duty member of the armed forces or are on active Guard…”
“…t forth in not pay the amount we think you owe. and conditions of the Account. This includes any person authorized by you to use the full herein. The Arbitration provisions do not apply to covered borrowers under the account now or in the future. Military Lending Act unless you established your credit card account when…”
Slip up and your rate can jump to a much higher penalty APR.
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“…our qualified APR of 12.49% to 25.49% will apply. APR for Cash Advances* 12.49% to 25.49% when you open your account, based on your creditworthiness. Penalty APR and When it None Applies How to Avoid Paying Your due date is at least 25 days after the close of each billing cycle. We Interest on Purchases will n…”