Paste it anywhere on your site. The badge links back to this page — a real, crawlable link, not an image.
You can opt out of this issuer's forced arbitration
deadline ≈ 45 days
Citibank, N.A.'s agreement lets you reject arbitration and keep your right to sue — usually within 45 days of opening the account. You have to send it in writing. Here's the language from the filed agreement:
“…, severed or waived, except as provided in this Agreement or in a written agreement between you and us. continued on next page 9 Section 11 ARBITRATION (continued) Rules for rejecting this arbitration provision You may reject this arbitration provision by sending a written rejection notice to us at: PO Box 6195; Sioux Falls, SD 57117-6195. Your rejection notice must be mailed within 45 days of Account opening. Your rejection notice must state that you reject the arbitration provision and include your name, address, Account number and personal signature. No one else may sign the rejection notice. Your rejection notice will not apply to the arbitration provision(s) governing any other account(s) that you have or had with us. Rejection of this arbitration provision won t affect your other rights or responsibilities under this Agreement, including use of the Account. 12 AGREEMENT & BENEFIT C…”
“…ovision may not be amended, severed or waived, except as provided in this Agreement or in a written agreement between you and us. Rules for rejecting this arbitration provision You may reject this arbitration provision by sending a written rejection notice to us at: P.O. Box 790340, St. Louis, MO 63179. Your rejection notice must be mailed within 45 days of Account opening. Your rejection notice must state that you reject the arbitration provision and include your name, address, Account number and personal signature. No one else may sign the rejection notice. Your rejection notice will not apply to the arbitration provision(s) governing any other account(s) that you have or had with us. Rejection of this arbitration provision won t affect your other rights or responsibilities under this Agreement, including use of the Account. AGREEMENT & BENEFIT CHANGES Changes to this Agreement. We may…”
“…RATION (continued) amended, severed or waived, except as provided in this Agreement or in a written agreement between you and us. Rules for rejecting this arbitration provision You may reject this arbitration provision by sending a written rejection notice to us at: PO Box 790085; St. Louis, MO 63179-0085. Your rejection notice must be mailed within 45 days of Account opening. Your rejection notice must state that you reject the arbitration provision and include your name, address, Account number and personal signature. No one else may sign the rejection notice. Your rejection notice will not apply to the arbitration provision(s) governing any other account(s) that you have or had with us. Rejection of this arbitration provision won t affect your other rights or responsibilities under this Agreement, including use of the Account. 12 AGREEMENT & BENEFIT CHANGES Changes to this Agreement W…”
Detected in the CFPB-filed cardholder agreements from Citibank, N.A.. Verbatim quotes below — CardSleuth flags the language; this isn't legal advice.
Forced arbitration
You give up your right to sue in court — disputes are pushed into private arbitration.
Show the exact wording ↓Hide wording ↑
“…his is not intended to be a complete summary of the Card Agreement s contents, and we encourage you to read your entire Card Agreement, including the arbitration provision, before you use your Account. 1 DEFINITIONS Lists the meanings of particular phrases and terms used in the Card Agreement. 2 YOUR ACCOUNT Describes s…”
“…tage Rates and certain fees. Any amendments to this Agreement also are part of this Agreement. Please read all parts of this Agreement, including the arbitration provision, and keep it for your records. DEFINITIONS Account Your credit card account. Adjusted New Balance The New Balance, minus any Reduced Rate Credit Plan…”
“…tage Rates and certain fees. Any amendments to this Agreement also are part of this Agreement. Please read all parts of this Agreement, including the arbitration provision, and keep it for your records. DEFINITIONS Account Your credit card account. Adjusted New Balance The New Balance, minus any balance subject to the P…”
You can't band together with other cardholders in a class action.
Show the exact wording ↓Hide wording ↑
“…ual basis Claims brought against you, including Claims to collect a debt. Claims brought as part of a class action, private attorney general or other representative action can be arbitrated only on an individual basis. The arbitrator has no authority to arbitrate any claim on a class or representative basis and may awar…”
“No interest if paid in full” — miss the deadline and you're billed interest back to day one.
Show the exact wording ↓Hide wording ↑
“…compiles credit information for the purpose of generating consumer credit reports. It s also known as a credit bureau and a credit reporting agency. Deferred Interest Promotion See the Promotions section of the Agreement. include and including These terms mean include [or including] without limitation. Late Payment…”
“…h the highest APR, then to the balance with the next highest APR, and so on. However, payments in excess of the Minimum Payment Due received before a Deferred Interest Promotion expires are applied to the Deferred Interest Promotion balance first in the last two Billing Cycles of the promotional period or in the las…”
The issuer reserves the right to change your rates, fees and terms at any time.
Show the exact wording ↓Hide wording ↑
“…your other rights or responsibilities under this Agreement, including use of the Account. 12 AGREEMENT & BENEFIT CHANGES Changes to this Agreement We may change this Agreement for any reason and at any time, subject to applicable law. This means that we can change rates and fees that apply to your Account. It also means we can add, replace or remove prov…”
“…t your other rights or responsibilities under this Agreement, including use of the Account. AGREEMENT & BENEFIT CHANGES Changes to this Agreement. We may change this Agreement for any reason and at any time, subject to applicable law. This means that we can change rates and fees that apply to your Account. It also means we can add, replace or remove prov…”
Slip up and your rate can jump to a much higher penalty APR.
Jumps to ~29.99%
Show the exact wording ↓Hide wording ↑
“…en we take the U.S. Prime Rate from the WSJ. The new APR will apply to existing balances, as well as balances added to your Account after the change. Penalty APR If you have a Late or Returned Payment, we may apply a penalty APR to your Account. We determine your penalty APR based on your creditworthiness. con…”
“…e Prime Rate. APR for Citi Flex Plans 19.49% to 29.49%, based on your creditworthiness. These APRs will vary with the market based on the Prime Rate. Penalty APR and When Up to 29.99%, based on your creditworthiness. This APR will vary with It Applies the market based on the Prime Rate. This APR may be applied…”
“…as well as balances added to your Account after the change. continued on next page 2 Section 3 ANNUAL PERCENTAGE RATES & INTEREST CHARGES (continued) Penalty APR If you have a Late or Returned Payment, we may apply a penalty APR to your Account. We determine your penalty APR based on your creditworthiness. Pen…”
The contract lets you reject arbitration (usually within a short deadline) and keep your right to sue.
Show the exact wording ↓Hide wording ↑
“…be amended, severed or waived, except as provided in this Agreement or in a written agreement between you and us. continued on next page 9 Section 11 ARBITRATION (continued) Rules for rejecting this arbitration provision You may reject this arbitration provision by sending a written rejection notice to us at: PO Box 6195; Sioux Falls, SD…”
“…tration provision may not be amended, severed or waived, except as provided in this Agreement or in a written agreement between you and us. Rules for rejecting this arbitration provision You may reject this arbitration provision by sending a written rejection notice to us at: P.O. Box 790340, St. Louis, MO 63179. Your rej…”
“…n 11 ARBITRATION (continued) amended, severed or waived, except as provided in this Agreement or in a written agreement between you and us. Rules for rejecting this arbitration provision You may reject this arbitration provision by sending a written rejection notice to us at: PO Box 790085; St. Louis, MO 63179-0085. Your…”