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Contract X-Ray — what's buried in the fine print
1 red flag · 4 filed docs
Detected in the CFPB-filed cardholder agreements from Delta Community 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 ~20%
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“…ess. Visa Signature 16.75% to 20.75%, based on your creditworthiness. Visa Secured 18.75% This APR will vary with the market based on the Prime Rate. Penalty APR and When it Visa Platinum Rewards Applies 20.00% to 24.00%, based on your creditworthiness. Visa Signature 21.75% to 25.75%, based on your creditwort…”
“…d on the Prime Rate APR for Cash 12.75% to 16.75%, based on your creditworthiness Advances This APR will vary with the market based on the Prime Rate Penalty APR and 17.75% to 21.75%, based on your creditworthiness When it Applies This APR will vary with the market based on the Prime Rate This APR may be appli…”