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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 Homeland Credit Union, INC.. 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.
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“…e rate for your account is variable, as indicated on the accompanying Disclosure, the rate charged on purchases, cash advances, balance transfers and penalty rate will vary periodically as disclosed in the Disclosure accompanying this Agreement. The initial rate on your account for certain types of transactions…”