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Contract X-Ray — what's buried in the fine print
1 red flag · 1 filed doc
Detected in the CFPB-filed cardholder agreements from Alcoa Community Federal Credit Union. Verbatim quotes below — CardSleuth flags the language; this isn't legal advice.
Penalty APR
Slip up and your rate can jump to a much higher penalty APR.
Jumps to ~18%
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“…and conditions of My Electronic each balance. If those payments are not made on the due date, the Fund Transfer Agreement may also affect my rights. Penalty APR will remain on all balances indefinitely. Foreign Currency Transaction Fee. If I make any purchases with Other Charges and Collection Fees. Transacti…”