Paste it anywhere on your site. The badge links back to this page — a real, crawlable link, not an image.
Contract X-Ray — what's buried in the fine print
2 red flags · 15 filed docs
Detected in the CFPB-filed cardholder agreements from Patelco 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.
Show the exact wording ↓Hide wording ↑
“…eceipt and/ the claim administrator coverage availability. concealed or misrepresented any material facts concerning this coverage. This EOC requires binding arbitration if there is an unresolved dispute concerning this EOC (including the availability and applicable legal restrictions. cost of, lack of, or actual repa…”
You can't band together with other cardholders in a class action.
Show the exact wording ↓Hide wording ↑
“…down). Under this Arbitration provision, You give up your right to resolve any dispute arising from this EOC by a judge and/or a jury. You also agree not to participate as a class representative or class member Extended Warranty - Two Year Benefit in any class action litigation, any class arbitration or any consolidation of ind…”