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Contract X-Ray — what's buried in the fine print
4 red flags · 5 filed docs
Detected in the CFPB-filed cardholder agreements from First Financial Bank. Verbatim quotes below — CardSleuth flags the language; this isn't legal advice.
Forced arbitration with no opt-out found — you likely can't take this issuer to court, and there's no way to reject it.
Forced arbitration
You give up your right to sue in court — disputes are pushed into private arbitration.
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“…y. You can change these preferences at any time by contacting us. Jury Trial and Class Claims Waiver and Arbitration - The Card Agreement contains an Arbitration provision with a jury trial and class claims waiver, which impacts your rights, including your right to bring or participate in a class action or have a jury t…”
You can't band together with other cardholders in a class action.
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“…est possible enforceable meaning. However, Claim does not include a claim challenging the validity or enforceability of this provision, including the class action waiver. Administrator means the American Arbitration Association, www.adr.org, (800 778-7879; or JAMS, www.jamsadr.com, (949 224-1810. Right to Elect Arbitr…”
You waive your right to have a dispute heard by a jury.
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“…anies working on our behalf to service your account. Message and data rates may apply. You can change these preferences at any time by contacting us. Jury Trial and Class Claims Waiver and Arbitration - The Card Agreement contains an Arbitration provision with a jury trial and class claims waiver, which impacts your rights, includ…”
The issuer reserves the right to change your rates, fees and terms at any time.
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“…redit report, send a copy. Waiver. We may delay or not enforce our rights under this Agreement without losing or waiving any of them. Changes. We may at any time change, add to, or delete any of the terms and conditions in this Agreement. We will give notice as required by law. Governing Law. This Agreement is governed by applicable federal law and by…”