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Contract X-Ray — what's buried in the fine print
2 red flags · 1 filed doc
Detected in the CFPB-filed cardholder agreements from Gecu Federal Credit Union. Verbatim quotes below — CardSleuth flags the language; this isn't legal advice.
Change-anytime clause
The issuer reserves the right to change your rates, fees and terms at any time.
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“…ion to repay any payments made for your Account resulting from use of the Card as well as FINANCE CHARGES Rev. 1/1/26 7 and other related charges. We may change the terms of this Agreement, including the periodic rate, at any time subject to such notice as may be required by applicable law. CLOSING AN ACCOUNT AND CONTINUATION OF CERTAIN TERMS OF THIS AGREEMENT: We may close or…”
Slip up and your rate can jump to a much higher penalty APR.
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“…ment is late. See explanation below. 2% above your APR for Purchases, not to exceed 17.90%. The APR will vary on the market based on the Prime Rate.2 Penalty APR and When it None Applies Paying Interest Your due date is at least 25 days after the close of each billing cycle. We will not charge you any interest…”