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Contract X-Ray — what's buried in the fine print
1 red flag · 4 filed docs
Detected in the CFPB-filed cardholder agreements from Georgia'S Own Credit Union. 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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“…ic 21.49% This APR will vary with the market based on the Prime Rate. Visa Secured 21.49% This APR will vary with the market based on the Prime Rate. Penalty APR and When it Applies 29.99% This APR may be applied to your account if you: - Make a late payment. How Long Will the Penalty APR Apply? If your APRs a…”
“…ic 22.24% This APR will vary with the market based on the Prime Rate. Visa Secured 22.24% This APR will vary with the market based on the Prime Rate. Penalty APR and When it Applies 29.99% This APR may be applied to your account if you: - Make a late payment. How Long Will the Penalty APR Apply? If your APRs a…”