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Contract X-Ray — what's buried in the fine print
1 red flag · 3 filed docs
Detected in the CFPB-filed cardholder agreements from Omaha Police Federal 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 ~18%
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“…. Interest Rates and Interest Charges Annual Percentage Rate (APR) for 18.00% Purchases APR for Balance Transfers 18.00% APR for Cash Advances 18.00% Penalty APR and When it Applies 18.00% 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…”
“…ure. Interest Rates and Interest Charges Annual Percentage Rate (APR) for 8.99% Purchases APR for Balance Transfers 8.99% APR for Cash Advances 8.99% Penalty APR and When it Applies 18.00% 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…”
“…ure. Interest Rates and Interest Charges Annual Percentage Rate (APR) for 9.99% Purchases APR for Balance Transfers 9.99% APR for Cash Advances 9.99% Penalty APR and When it Applies 18.00% 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…”