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You can opt out of this issuer's forced arbitration
Credit One Bank, National Association's agreement lets you reject arbitration and keep your right to sue — usually within a short window after opening the account. You have to send it in writing. Here's the language from the filed agreement:
“…le for any fees or charges. Arbitration: This Agreement includes an Arbitration Provision with class action and jury trial waivers. You can reject the Arbitration Provision. See How to REJECT this agreement to arbitrate in the Arbitration section. If you do not, it will be part of this Agreement. Promise to Pay: You agree to pay us for all amounts due on your Account, including credit for Purchases, Balance Transfers, and Cash Advances, as well as interest charges and fees. This includes charges made by Additional Cardholders and other Authorized Users. Definitions Account means the Credit One Bank card account under this Agreement. Authorized User means any person you allow to use your Account or Card, including Additional Cardholders. If the Authorized User has been issued a Card and you want to terminate the Authorized User, you must notify us by telephone or in writing. Balance Trans…”
Detected in the CFPB-filed cardholder agreements from Credit One Bank, National Association. 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.
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“…h the Military Lending Act, including its restrictions on permissible loan terms and limitations on interest and fees. As a Covered Borrower: (a) the arbitration provision shall not apply to you, (b) the Duplicate Statement Fee, the Sales Slip Request Fee, and the Replacement Card Fee shall not apply to you, and (c) any…”
You can't band together with other cardholders in a class action.
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“…BITRATION. The arbitrator shall have no authority to entertain any Claim as a class action or private attorney general action or on any other similar representative basis, nor shall the arbitrator have any authority to consolidate or join Claims brought by separate claimants (except for claimants on the same account).…”
You waive your right to have a dispute heard by a jury.
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“…t the Agreement, you are not responsible for any fees or charges. Arbitration: This Agreement includes an Arbitration Provision with class action and jury trial waivers. You can reject the Arbitration Provision. See How to REJECT this agreement to arbitrate in the Arbitration section. If you do not, it will be par…”
The contract lets you reject arbitration (usually within a short deadline) and keep your right to sue.
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“…responsible for any fees or charges. Arbitration: This Agreement includes an Arbitration Provision with class action and jury trial waivers. You can reject the Arbitration Provision. See How to REJECT this agreement to arbitrate in the Arbitration section. If you do not, it will be part of this Agreement. Promise to…”