Republic Bank & Trust Company
2 cardholder agreements · 587 KB
- Starting score100
- Forced arbitration (opt-out available)-12
- Class-action waiver-12
- Jury-trial waiver-8
- Change-anytime clause-8
- Fair Terms score60 · grade C
See the exact wording behind each below.
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You can opt out of this issuer's forced arbitration
Republic Bank & Trust Company's agreement lets you reject arbitration and keep your right to sue — usually within a short window after opening the account. You have to send it in writing. Here's the language from the filed agreement:
“…AN ARBITRATION AGREEMENT AND OTHER IMPORTANT INFORMATION REGARDING YOUR LEGAL RIGHTS, REMEDIES, AND OBLIGATIONS. UNLESS YOU ACT PROMPTLY TO REJECT THE ARBITRATION AGREEMENT, IT AND FINAL ARBITRATION, AND FURTHER(1) YOU WILL ONLY BE PERMITTED TO PURSUE CLAIMS AGAINST US ON AN INDIVIDUAL BASIS, NOT AS A PLAINTIFF OR CLASS MEMBER IN ANY CLASS OR REPRESENTATIVE ACTION OR PROCEEDING, AND (2) YOU WILL ONLY BE PERMITTED TO SEEK RELIEF (INCLUDING MONETARY, INJUNCTIVE, AND DECLARATORY RELIEF) ON AN INDIVIDUAL BASIS. IMPORTANTLY, THE ARBITRATION AGREEMENT INCLUDES OPT OUT PROVISIONS. THE ARBITRATION AGREEMENT HEREIN DOES NOT APPLY IF YOU ARE A COVERED BORROWER (DEFINED BELOW) ENTITLED TO PROTECTIONS UNDER THE MILITARY LENDING ACT. PLEASE SEE THE MILITARY LENDING ACT DISCLOSURES SECTION BELOW FOR MORE INFORMATION. The Super.com Secured Charge Card (the Super.com Card or the Card ) is a secured cred…”
Read the exact mailing address in the clause above, then use our opt-out letter template and full guide →
Contract X-Ray — what's buried in the fine print
4 red flags · 2 filed docsDetected in the CFPB-filed cardholder agreements from Republic Bank & Trust Company. Verbatim quotes below — CardSleuth flags the language; this isn't legal advice.
You give up your right to sue in court — disputes are pushed into private arbitration.
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“…r notice to you except as required by applicable law. Terms that may be updated include, without limitation, the interest charge, fees, payments, and arbitration provisions. You will be notified of any change in the manner provided by applicable law prior to the effective date of the change. However, if the change is ma…”
You can't band together with other cardholders in a class action.
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“…ION, AND FURTHER(1) YOU WILL ONLY BE PERMITTED TO PURSUE CLAIMS AGAINST US ON AN INDIVIDUAL BASIS, NOT AS A PLAINTIFF OR CLASS MEMBER IN ANY CLASS OR REPRESENTATIVE ACTION OR PROCEEDING, AND (2) YOU WILL ONLY BE PERMITTED TO SEEK RELIEF (INCLUDING MONETARY, INJUNCTIVE, AND DECLARATORY RELIEF) ON AN INDIVIDUAL BASIS. IMP…”
You waive your right to have a dispute heard by a jury.
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“…E ARBITRATOR MAY AWARD PUBLIC INJUNCTIVE RELIEF UNDER APPLICABLE LAW TO THE EXTENT REQUIRED FOR THE ENFORCEABILITY OF THIS PROVISION. Prohibition and Waiver of Court and Jury Trials FOR CLAIMS SUBJECT TO ARBITRATION, YOU WILL NOT HAVE THE RIGHT TO PURSUE THAT CLAIM IN COURT OR HAVE A JURY DECIDE THE CLAIM. ALSO, YOUR ABILI…”
The issuer reserves the right to change your rates, fees and terms at any time.
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“…irements; f you give us your written permission; or As otherwise stated in our Privacy Notice. SUSPENSION, AMENDMENT, ASSIGNMENT, AND CANCELLATION We may amend or change the terms and conditions of this Charge Card Agreement at any time without prior notice to you except as required by applicable law. Terms that may be updated include, without limitation, the interest charge, fees, p…”
The contract lets you reject arbitration (usually within a short deadline) and keep your right to sue.
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“…CONTAINS AN ARBITRATION AGREEMENT AND OTHER IMPORTANT INFORMATION REGARDING YOUR LEGAL RIGHTS, REMEDIES, AND OBLIGATIONS. UNLESS YOU ACT PROMPTLY TO REJECT THE ARBITRATION AGREEMENT, IT AND FINAL ARBITRATION, AND FURTHER(1) YOU WILL ONLY BE PERMITTED TO PURSUE CLAIMS AGAINST US ON AN INDIVIDUAL BASIS, NOT AS A PLAINT…”
Checked & clear: Deferred interest · Penalty APR
Cardholder agreements
Filed with the CFPB in the 2026 Q1 bulk submission. Opens the original PDF.