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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 One Nevada Credit Union. 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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“…EPTEMBER 2018 For questions about your balance, call the customer service number on your Visa statement. SECURITY AGREEMENT: SECURITY AGREEMENT: Non- BINDING ARBITRATION: EXCEPT AS SPECIFICALLY Purchase-Money Security Interests Payments on your Account PROVIDED HEREIN, THE ARBITRATION PROVISION IN THIS are secured by…”
You can't band together with other cardholders in a class action.
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“…ing under this ANYONE OF THEIR BEHALF CAN PURSUE ANY CLAIM OR Agreement; and the Credit Union shall have all of the rights of DISPUTE IN ANY CLASS OR REPRESENTATIVE CAPACITY. a secured party in accordance with Article Nine of the Uniform IT IS THE INTENT OF THE PARTIES HERETO TO PROVIDE Commercial Code and/or other applic…”