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Contract X-Ray — what's buried in the fine print
1 red flag · 14 filed docs
Detected in the CFPB-filed cardholder agreements from Cornerstone 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 ~14.9%
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“…ure. Interest Rates and Interest Charges Annual Percentage Rate (APR) for 7.90% Purchases APR for Balance Transfers 8.90% APR for Cash Advances 8.90% Penalty APR and When it Applies 14.90% This APR may be applied to Your Account if You: - Make a late payment. How Long Will the Penalty APR Apply? If Your APRs a…”
“…e. Interest Rates and Interest Charges Annual Percentage Rate (APR) for 9.90% Purchases APR for Balance Transfers 10.90% APR for Cash Advances 10.90% Penalty APR and When it Applies 14.90% This APR may be applied to Your Account if You: - Make a late payment. How Long Will the Penalty APR Apply? If Your APRs a…”
“…ure. Interest Rates and Interest Charges Annual Percentage Rate (APR) for 8.90% Purchases APR for Balance Transfers 9.90% APR for Cash Advances 9.90% Penalty APR and When it Applies 14.90% This APR may be applied to Your Account if You: - Make a late payment. How Long Will the Penalty APR Apply? If Your APRs a…”