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Contract X-Ray — what's buried in the fine print
1 red flag · 2 filed docs
Detected in the CFPB-filed cardholder agreements from Southern Credit Union, The. 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.
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“…- credit-limit transactions and I go over my credit limit, I understand you will charge me a fee of up to $40.00. You may also increase my APR to the Penalty APR of N/A. I will only pay one fee per billing cycle, even if I go over my limit multiple times in the same cycle. Even if I request over-the-credit-lim…”