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Contract X-Ray — what's buried in the fine print
1 red flag · 28 filed docs
Detected in the CFPB-filed cardholder agreements from Oregon 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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“…financial statement and/or updated credit information upon request. We may investigate your credit directly or through a credit reporting agency. 20. AMENDMENTS. We reserve the right to change any terms or conditions of this Agreement at any time, to the extent permitted by applicable law. We will notify you of the changes to this Agreement as required by law. 21. BILLING ERRORS NOTICE, YOUR C…”
“…financial statement and/or updated credit information upon request. We may investigate your credit directly or through a credit reporting agency. 17. AMENDMENTS. We reserve the right to change any terms or conditions of this Agreement at any time, to the extent permitted by applicable law. We will notify you of the changes to this Agreement as required by law. 18. BILLING ERRORS NOTICE, YOUR C…”
“…financial statement and/or updated credit information upon request. We may investigate your credit directly or through a credit reporting agency. 18. AMENDMENTS. We reserve the right to change any terms or conditions of this Agreement at any time, to the extent permitted by applicable law. We will notify you of the changes to this Agreement as required by law. 19. BILLING ERRORS NOTICE, YOUR C…”