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Contract X-Ray — what's buried in the fine print
2 red flags · 2 filed docs
Detected in the CFPB-filed cardholder agreements from Pentagon Federal 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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“…able to any cardholder. Account5. payments or credits and excluding any unpaid Your account may have purchases, cash advances, You also agree that we can change the terms of finance charge. A cash advance appearing on the this Agreement at any time by adding, deleting, or and balance transfers with different APRs. periodic statement is considered a part of the You understand and agree that the m…”
Slip up and your rate can jump to a much higher penalty APR.
Jumps to ~17.99%
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“…will increase to the Penalty information to third parties, including but not any indebtedness or other outstanding financial Annual Percentage Rate (Penalty APR). See limited to credit reporting agencies or merchants, obligation owed by you or any person who is listed Section 10 below for details of the Penal…”
“…um Rewards Visa?? Prime plus 14.74% PenFed Pathfinder?? Rewards Visa Signature?? Prime plus 14.74% APR for Balance Transfers 17.99% and Cash Advances Penalty APR 17.99% Annual Fee2 PenFed Pathfinder?? Rewards Visa Signature?? -$95 All other cards - None Minimum Interest Charge None Foreign Transaction Fee None…”