Capital Community Bank
3 cardholder agreements · 802 KB
- Starting score100
- Forced arbitration (opt-out available)-12
- Class-action waiver-12
- Jury-trial waiver-8
- Change-anytime clause-8
- Fair Terms score60 · grade C
See the exact wording behind each below.
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You can opt out of this issuer's forced arbitration
deadline ≈ 25 daysCapital Community Bank's agreement lets you reject arbitration and keep your right to sue — usually within 25 days of opening the account. You have to send it in writing. Here's the language from the filed agreement:
“…rd Credit Card Agreement carefully, as it contains important information related to your Today Card Credit Card. This Agreement contains an Arbitration provision. Unless you reject the Arbitration provision within sixty (60) days of account opening, it will have a substantial effect on your rights if you have a dispute with us. See Section 24 below for details. TODAY CARD PRICING INFORMATION Interest Rates and Interest Charges Annual Percentage Rate (APR) for 32.25%. These APRs will vary with the market, based on the Purchases Prime Rate. Paying Interest Your payment due date is at least 25 days after the close of each billing cycle. We will not charge you any interest on new purchases if you pay your entire new balance in full by the payment due date each month. Minimum Interest Charge If you are charged interest, the interest charge will be no less than $1.00. For Credit Card Tips from…”
“…rd Credit Card Agreement carefully, as it contains important information related to your Today Card Credit Card. This Agreement contains an Arbitration provision. Unless you reject the Arbitration provision within sixty (60) days of account opening, it will have a substantial effect on your rights if you have a dispute with us. See Section 24 below for details. TODAY CARD PRICING INFORMATION Interest Rates and Interest Charges Annual Percentage Rate (APR) for Up to 36%. These APRs will vary with the market, based on Purchases the Prime Rate. How to Avoid Paying Interest Your payment due date is at least 25 days after the close of each billing cycle. We will not charge you any interest on new purchases if you pay your entire new balance in full by the payment due date each month. Minimum Interest Charge If you are charged interest, the interest charge will be no less than $1.00. For Credi…”
Read the exact mailing address in the clause above, then use our opt-out letter template and full guide →
Contract X-Ray — what's buried in the fine print
4 red flags · 3 filed docsDetected in the CFPB-filed cardholder agreements from Capital Community Bank. Verbatim quotes below — CardSleuth flags the language; this isn't legal advice.
You give up your right to sue in court — disputes are pushed into private arbitration.
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“…e Today Card Credit Card Agreement carefully, as it contains important information related to your Today Card Credit Card. This Agreement contains an Arbitration provision. Unless you reject the Arbitration provision within sixty (60) days of account opening, it will have a substantial effect on your rights if you have…”
You can't band together with other cardholders in a class action.
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“…(2) engage in information-gathering (discovery) to the same extent as in court; (3) participate in a class action, private attorney general or other representative action in court or in arbitration; or (4) join or consolidate a Claim with claims of any other person. The right to appeal is more limited in arbitration th…”
You waive your right to have a dispute heard by a jury.
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“…ITRATION AGREEMENT: Both parties to this Agreement voluntarily agree to arbitrate any claim, as defined below, covered by this Agreement, and thereby waive any right to a jury trial or court proceedings or participate in a class action unless this arbitration provision is rejected as explained below. This arbitration provis…”
The issuer reserves the right to change your rates, fees and terms at any time.
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“…ims Courts. All parties retain the right to seek adjudication in a small claims court for disputes within the scope of such court s jurisdiction. 25. CHANGE IN TERMS: We may change any term of this Agreement or add new terms to this Agreement at any time upon notice to you as required by law. At our option, any change will apply both to new activity and to your outstanding balance, as permitted by law…”
The contract lets you reject arbitration (usually within a short deadline) and keep your right to sue.
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“…e Today Card Credit Card Agreement carefully, as it contains important information related to your Today Card Credit Card. This Agreement contains an Arbitration provision. Unless you reject the Arbitration provision within sixty (60) days of account opening, it will have a substantial effect on your rights if you have a dispute with us.…”
Checked & clear: Deferred interest · Penalty APR
Cardholder agreements
Filed with the CFPB in the 2026 Q1 bulk submission. Opens the original PDF.