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Contract X-Ray — what's buried in the fine print
1 red flag · 22 filed docs
Detected in the CFPB-filed cardholder agreements from Landmark 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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“…t opening. 0.00% 16.49% After that, Your APR will be 16.49%. This APR will vary with the market based on the Prime Rate. APR for Cash Advances 29.99% 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…”
“…t opening. 0.00% 19.49% After that, Your APR will be 16.49%. This APR will vary with the market based on the Prime Rate. APR for Cash Advances 29.99% 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…”
“…t opening. 0.00% 22.49% After that, Your APR will be 16.49%. This APR will vary with the market based on the Prime Rate. APR for Cash Advances 29.99% 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…”