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Contract X-Ray — what's buried in the fine print
2 red flags · 1 filed doc
Detected in the CFPB-filed cardholder agreements from Texell 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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“…(ATMs). This PIN is confidential and should not be disclosed to anyone. You may use Your PIN to access Your Account and all sums advanced will If We elect arbitration to resolve any controversy or claim arising out of Your default be added to Your Account balance. In the event a use of Your PIN constitutes an un…”
You waive your right to have a dispute heard by a jury.
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“…e existence, content, or results of recurring charge. any arbitration hereunder without the prior written consent of both parties. All parties hereby waive and give up all rights to a jury trial or class action relief. To ensure that recurring preauthorized charges established and authorized by You are not interrupted in the event that…”