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Contract X-Ray — what's buried in the fine print
2 red flags · 27 filed docs
Detected in the CFPB-filed cardholder agreements from Onpoint Community Credit Union. Verbatim quotes below — CardSleuth flags the language; this isn't legal advice.
Change-anytime clause
The issuer reserves the right to change your rates, fees and terms at any time.
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“…r investigation, we will tell you our decision. At that point, if we think you owe an amount and you do not pay, we may report you as delinquent. 17. AMENDMENTS. We reserve the right to amend the terms of this Agreement at any time as permitted by and subject to any limitations and notice requirements of applicable law. 18. GOVERNING LAW. This Agreement shall be governed by the…”
Slip up and your rate can jump to a much higher penalty APR.
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“…the Prime Rate. APR for Cash 15.25% - 25.75% depending on your creditworthiness. This APR will vary with the market based Advances on the Prime Rate. Penalty APR 3.0% above current Interest Rate. This APR may be applied when: Your minimum monthly payment is more than 60 days late You have more than one late pa…”
“…H BACK REWARDS REWARDS REWARDS 3.0% above current Interest Rate. This APR may be applied when: Your minimum monthly payment is more than 60 days late Penalty APR You are in default of any other terms of the Agreement How long will the penalty APR apply? If your APR is increased for any of these reasons, the Pe…”
“…the Prime Rate. APR for Cash 15.50% - 26.00% depending on your creditworthiness. This APR will vary with the market based Advances on the Prime Rate. Penalty APR 3.0% above current Interest Rate. This APR may be applied when: Your minimum monthly payment is more than 60 days late You have more than one late pa…”