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Contract X-Ray — what's buried in the fine print
2 red flags · 1 filed doc
Detected in the CFPB-filed cardholder agreements from Nebraska Furniture Mart, Inc.. 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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“…l rights to payment are assigned to Nebraska Furniture Mart, Inc. All charges on the account are subject to the prior approval of NFM. Except for the arbitration provisions, NFM has the right to change any terms of this agreement by sending me a written notice. Use of the card or any charges to the account 14 days after…”
“No interest if paid in full” — miss the deadline and you're billed interest back to day one.
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“…ves the right to demand payment by cash or certified check. Promotional Purchases 6. I understand any purchases I make under promotions identified as Deferred Interest accrue interest from the date of delivery using the Average Daily Balance method described below, but payment of the accrued interest will be deferre…”