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Contract X-Ray — what's buried in the fine print
3 red flags · 2 filed docs
Detected in the CFPB-filed cardholder agreements from Firstbank. 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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“…Request PO Box 505 Woodlyn, PA 19094-0505. Arbitration Collection Expense: If we undertake collection or legal action to enforce our remedies or any arbitration provisions under the terms of this Agreement, you agree to pay our attorney s fees, expenses, and litigation costs to the extent permitted by law. Resolution o…”
The issuer reserves the right to change your rates, fees and terms at any time.
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“…sing out of your use of this service will be subject to the alternative dispute procedures contained in this Agreement. We may terminate this service at any time without notice. We may also change these terms and conditions at any time. We will provide notice by any method of contact you provide to us. You will not be able to change these terms and conditi…”
Slip up and your rate can jump to a much higher penalty APR.
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“…d on the Wall Street Journal Prime Rate. APR for Cash Advances 21.00% This APR will vary with the market based on the Wall Street Journal Prime Rate. Penalty APR and When it None Applies How to Avoid Paying Your due date is at least 25 days after the close of each billing cycle. We will Interest on Purchases n…”