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 · 7 filed docs
Detected in the CFPB-filed cardholder agreements from San Diego County 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 ↑
“…federal law, You agree that any and all claims arising from or relating to this Agreement or any service provided by SDCCU to You shall be subject to binding arbitration under the Federal Arbitration Act ( FAA ). This includes claims based on contract, tort, equity, statute, or otherwise, as well as claims regarding t…”
You can't band together with other cardholders in a class action.
Show the exact wording ↓Hide wording ↑
“…may apply for a waiver under the relevant rules. The parties waive any right to bring representative claims on behalf of a class of individuals (the class action waiver ). The arbitration provision may be severed or modified if necessary to render it enforceable. Page 4 of 6 10400768-MXC30-C-1-030424 (MXC306-E) 26. C…”