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Contract X-Ray — what's buried in the fine print
2 red flags · 16 filed docs
Detected in the CFPB-filed cardholder agreements from First International Bank And Trust. 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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“…for injunctive relief to a three-arbitrator panel appointed by the Agreement ) CAREFULLY. IT REQUIRES ALL CLAIMS BETWEEN YOU AND US TO BE RESOLVED BY BINDING ARBITRATION WHENEVER YOU arbitration administrator, which will reconsider de novo any aspect of the OR WE CHOOSE TO SUBMIT A CLAIM TO ARBITRATION. BY ACCEPTING a…”
You can't band together with other cardholders in a class action.
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“…N TO A SMALL CLAIMS COURT) AND TO BRING Arbitration Costs. If permitted by the rules of the selected arbitration OR PARTICIPATE IN ANY CLASS OR OTHER REPRESENTATIVE ACTION IN A COURT PROCEEDING. administrator, you agree to pay any initial filing fee charged to you by the arbitration administrator for any arbitration you…”