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Contract X-Ray — what's buried in the fine print
1 red flag · 19 filed docs
Detected in the CFPB-filed cardholder agreements from Firstbank Puerto Rico. 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 ~29.99%
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“…ance APR ) will vary with the market, based on the Prime Rate. 29.99%* This APR may be applied if you become more than 60 days late paying your bill. Penalty APR and When It Applies: How Long Will the Penalty APR Apply? If your APR is increased for this reason, the Penalty APR will apply until the account is u…”
“…based on your creditworthiness at the time you opened your account. This APR ( Cash Advance APR ) will vary with the market, based on the Prime Rate. Penalty APR and 29.99%* When It Applies: This APR may be applied to you if FirstBank does not receive the minimum payment within sixty (60) days of the date when…”
“…based on your creditworthiness at the time you opened your account. This APR ( Cash Advance APR ) will vary with the market, based on the Prime Rate. Penalty APR and When it 29.99%* Applies This APR may be applied to you if you become more than 60 days late paying your bill. How Long Will the Penalty APR Apply…”