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Contract X-Ray — what's buried in the fine print
2 red flags · 4 filed docs
Detected in the CFPB-filed cardholder agreements from Team One 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.
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“…that Cardholder will not use his or her communications with Cardholder. card unless he or she honestly intends to repay Issuer the full amount due 20 Arbitration Provision. Any claim, dispute, or controversy (whether in under this agreement when it is due, and reasonably believes that contract, tort, or otherwise, wheth…”
Slip up and your rate can jump to a much higher penalty APR.
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“…nsfers are disclosed on the Disclosure that accompanies application, signs or uses a card, or permits someone else to use a card. this Agreement. Any penalty rate that may be imposed for failing to make a payment by the payment due date is also disclosed on the Disclosure. Any 1 Use of Card. Goods and services…”