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Contract X-Ray — what's buried in the fine print
1 red flag · 3 filed docs
Detected in the CFPB-filed cardholder agreements from Del-One 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 ~18%
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“…ight Oak Tree Business Systems, Inc., 2021-2023. All Rights Reserved. Page 1 of 6 OTBS 016 DELO (5/23) Interest Rate and Interest Charges (continued) Penalty APR and When 18.00% it Applies This APR may be applied to Your VISA Feature Category if: 1) You make a late payment How Long Will The Penalty APR Apply?…”
“…lished Your account. This APR will vary with the market based on the Prime Rate. VISA Share Secured: ______% - ______% based on Your creditworthiness Penalty APR and When 18.00% it Applies This APR may be applied to Your Account if: 1) You make a late payment How Long Will The Penalty APR Apply? If Your APRs a…”