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Contract X-Ray — what's buried in the fine print
2 red flags · 6 filed docs
Detected in the CFPB-filed cardholder agreements from Tinker Federal Credit Union. Verbatim quotes below — CardSleuth flags the language; this isn't legal advice.
Change-anytime clause
The issuer reserves the right to change your rates, fees and terms at any time.
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“…sponds AMENDMENT to a monthly rate of 1.5%) I agree that the terms of this Agreement are applicable to any cardholder. I also agree that Credit Union may change the terms of MONTHLY PAYMENTS this Agreement at any time with written notice required by law Cardholder(s) agree to pay monthly on or before the payment due before the change becomes effective. Any changes…”
“…t the terms of this Agreement are applicable to any Balance as shown on the monthly statement. Payment cardholder. I also agree that Credit Union may change the Due Date on the statement is twenty- five (25) days from terms of this Agreement at any time with written notice the statement s Closing Date. The amounts paid as required by law before the change becomes effective. Any part of the Minimum Pa…”
“…the Agreement are applicable to any any of the previous unpaid balances, purchases, cash advances, cardholder. I also agree that the Credit Union may change the payments and credits, or (ii) at least the Minimum Payment terms of the Agreement at any time with written notice required required, which is the greater of $15.00 or 3% of the by law before the change becomes effective. Any changes to outstan…”
Slip up and your rate can jump to a much higher penalty APR.
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“…+ 13.50% fee + 17.50% Rate 3 (660-699) fee + 14.50% fee + 18.00% Rate 4 (625-659) fee + 16.50% fee + 18.00% Rate 5 (624- ) fee + 18.00% fee + 18.00% Penalty APR and when it applies 25 days 25 days 7 Prime Rate = PR M-121806 M-120639 IMPORTANT NOTICE TO TFCU In December 2025 Prime Rate Visa Classic Visa Signat…”