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Contract X-Ray — what's buried in the fine print
1 red flag · 11 filed docs
Detected in the CFPB-filed cardholder agreements from S A F E Credit Union. Verbatim quotes below — CardSleuth flags the language; this isn't legal advice.
Penalty APR
Slip up and your rate can jump to a much higher penalty APR.
Jumps to ~21.9%
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“…y Annual Percentage Rate (APR): If you default on your Account for any of the following reasons, we may increase the APR on the entire balance to the Penalty APR of 21.90% with a 45-day notice if: Your Account is 60 days or more past due You make a payment that is returned The Penalty APR may terminate if you…”