Credit First National Association
1 cardholder agreement · 296 KB
- Starting score100
- Forced arbitration (opt-out available)-12
- Deferred interest-15
- Change-anytime clause-8
- Penalty APR-6
- Fair Terms score59 · grade C
See the exact wording behind each below.
Embed this badge on your site ↓
<script src="https://cards.techtonic.llc/widget.js" data-issuer="credit-first-national-association"></script>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 ≈ 30 daysCredit First National Association's agreement lets you reject arbitration and keep your right to sue — usually within 30 days of opening the account. You have to send it in writing. Here's the language from the filed agreement:
“…ntative or member of any class of claimants for claims subject to arbitration. Other rights available in court may also not be available in arbitration. I/We can reject the Arbitration Section within 30 days after CFNA opens my/our Account as explained in the Credit Card Contractual Terms. M103/M203 33.24 34.99 30.00 01/2026 Mastercard is a registered trademark, and the circles design is a trademark of Mastercard International Incorporated. LOAN APPLICATION CERTIFICATION: By signing the Credit Card Application, using the signature capture device, and/or through my/our electronic consent, I/we agree that everything stated in this Credit Card Application is correct to the best of my/our knowledge and I/we have been provided a copy of and have read and agree to the terms and conditions set forth in the Credit Card Application, and Pricing Information Sheet. I/We also acknowledge and agree t…”
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 · 1 filed docDetected in the CFPB-filed cardholder agreements from Credit First National Association. 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.
Show the exact wording ↓Hide wording ↑
“…Association, its parents, wholly or majority owned subsidiaries, affiliates, predecessors, successors, assigns, employees, officers and directors. If either you or we choose arbitration, neither you nor we will have the right to litigate that claim in court or to have a jury trial on that claim, or to engage in pre-arbitration dis…”
“No interest if paid in full” — miss the deadline and you're billed interest back to day one.
Show the exact wording ↓Hide wording ↑
“…ed wherever Mastercard is accepted within the United States. The CFNA Private Label can only be used at participating retailers in the United States. Deferred Interest Promotional Credit Plan: Each individual purchase transaction of $149 or more that is made with a participating retailer where you use either the CFN…”
The issuer reserves the right to change your rates, fees and terms at any time.
Show the exact wording ↓Hide wording ↑
“…utstanding Balance, you are still required to pay the Total Minimum Payment Due in the M103/M203 33.24 34.99 30.00 01/2026 next Billing Cycle. We may change APR, Fees, and other terms at any time and for any reason in accordance with the Card Agreement and applicable law. IMPORTANT INFORMATION ABOUT PROCEDURES FOR OPENING A NEW ACCOUNT: To help the government fi…”
Slip up and your rate can jump to a much higher penalty APR.
Show the exact wording ↓Hide wording ↑
“…Mastercard CFNA Private Label Annual Percentage Rate (APR) for Purchases 33.240% This APR will vary with 34.990% the market based on the Prime Rate. Penalty APR and When it Applies 39.990% This APR may be applied to your account if you: 1. Fail to make a payment when required; 2. Make two late payments in any…”
The contract lets you reject arbitration (usually within a short deadline) and keep your right to sue.
Show the exact wording ↓Hide wording ↑
“…a representative or member of any class of claimants for claims subject to arbitration. Other rights available in court may also not be available in arbitration. I/We can reject the Arbitration Section within 30 days after CFNA opens my/our Account as explained in the Credit Card Contractual Terms. M103/M203 33.24 34.99 30.00…”
Checked & clear: Class-action waiver · Jury-trial waiver
Cardholder agreements
Filed with the CFPB in the 2026 Q1 bulk submission. Opens the original PDF.