Dart Bank, The
5 cardholder agreements · 1.2 MB
- Starting score100
- Forced arbitration (opt-out available)-12
- Class-action waiver-12
- Penalty APR-6
- Fair Terms score70 · grade B
See the exact wording behind each below.
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You can opt out of this issuer's forced arbitration
deadline ≈ 30 daysDart Bank, The'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:
“…count within 30 days after receiving a Card. You also accept this Agreement if you or an Authorized User use the Account. You may, however, reject the Arbitration of Disputes section as explained in that section. CHANGES TO YOUR AGREEMENT The rates, fees and terms of this Agreement may change from time to time. We may add or delete any term to this Agreement. If required by law, we will give you advance written notice of the change(s) and a right to reject the change(s). We will not charge any fee or interest charge prohibited by law. USING YOUR ACCOUNT Permitted Uses You may use your Account for Purchases, Balance Transfers and Cash Advances. You may not use it for illegal transactions. Authorized Users You may request additional Cards for Authorized Users. You must notify us if you wish to cancel the authority of an Authorized User to use your Account. Joint Accounts If your Account is…”
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
3 red flags · 5 filed docsDetected in the CFPB-filed cardholder agreements from Dart Bank, The. 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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“…costs unless the appellate panel this Account, either may choose to resolve the please contact: determines otherwise as part of its award. dispute by binding arbitration, as described AAA at 1101 Laurel Oak Rd., Voorhees, NJ Any arbitration award may be enforced below, instead of in court. Any claim (except for a 0804…”
You can't band together with other cardholders in a class action.
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“…w and by Michigan law. Severability If any part of this Agreement is found to be invalid, the rest of it will still remain in effect. However, if the Class Action Waiver in the Arbitration of Disputes section is invalidated in any proceeding in which you and we are involved, then the Arbitration of Disputes section wi…”
Slip up and your rate can jump to a much higher penalty APR.
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“…arket based on the Prime Rate. APR for Cash Advances 10.00%-18.75% Based upon your credit This APR will vary with the market based on the Prime Rate. Penalty APR and When It Applies 23%. This APR will vary with the market based on the Prime Rate. This APR may be applied to your How Long Will the Penalty APR ac…”
“…arket based on the Prime Rate. APR for Cash Advances 15.00%-19.00% Based upon your credit This APR will vary with the market based on the Prime Rate. Penalty APR and When It Applies 23%. This APR will vary with the market based on the Prime Rate. This APR may be applied to your How Long Will the Penalty APR ac…”
“…market based on the Prime Rate. APR for Cash Advances 8.75%-18.75% Based upon your credit This APR will vary with the market based on the Prime Rate. Penalty APR and When It Applies 23%. This APR will vary with the market based on the Prime Rate. This APR may be applied to your How Long Will the Penalty APR ac…”
The contract lets you reject arbitration (usually within a short deadline) and keep your right to sue.
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“…el your Account within 30 days after receiving a Card. You also accept this Agreement if you or an Authorized User use the Account. You may, however, reject the Arbitration of Disputes section as explained in that section. CHANGES TO YOUR AGREEMENT The rates, fees and terms of this Agreement may change from time to ti…”
Checked & clear: Jury-trial waiver · Deferred interest · Change-anytime clause
Cardholder agreements
Filed with the CFPB in the 2026 Q1 bulk submission. Opens the original PDF.