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Contract X-Ray — what's buried in the fine print
2 red flags · 10 filed docs
Detected in the CFPB-filed cardholder agreements from Idaho Central Credit Union. Verbatim quotes below — CardSleuth flags the language; this isn't legal advice.
Class-action waiver
You can't band together with other cardholders in a class action.
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“…incur, plus the costs and expenses of any legal action, as further disclosed on this Agreement, or to the extent allowed by law. 23. ARBITRATION AND WAIVER OF CLASS ACTION This account is subject to our Arbitration and Waiver of Class Action Provision found in your Account Agreement. Please refer to the Account A…”
Slip up and your rate can jump to a much higher penalty APR.
Jumps to ~24%
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“…This APR will vary with the market based on the Prime Rate. APR for Cash Advances 12.74% This APR will vary with the market based on the Prime Rate. Penalty APR and When it Applies 24.00% 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…”
“…% This APR will vary with the market based on the Prime Rate. APR for Cash Advances 7.99% This APR will vary with the market based on the Prime Rate. Penalty APR and When it Applies 24.00% 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…”
“…APR will vary with the market based on the Prime Rate. APR for Cash Advances 7.74%-24.00% This APR will vary with the market based on the Prime Rate. Penalty APR and When it Applies 24.00% 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…”