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Contract X-Ray — what's buried in the fine print
1 red flag · 2 filed docs
Detected in the CFPB-filed cardholder agreements from Hills Bank And Trust Company. 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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“…, either you or we question, along with applicable interest and fees. We will send you a statement of the may choose to have that dispute resolved by binding arbitration. If arbitration is amount you owe and the date payment is due. We may then report you as delinquent chosen by any party, neither you nor we will have…”
“…that if a dispute of any kind arises out of this Agreement, either you or we fees related to that amount. may choose to have that dispute resolved by binding arbitration. If arbitration is (b) If we do not believe there was a mistake: You will have to pay the amount in chosen by any party, neither you nor we will have…”