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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 Tongass 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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“…financial statement and/or updated credit information upon request. We may investigate your credit directly or through a credit reporting agency. 18. Amendments We reserve the right to change any terms or conditions of this Agreement at any time, to the extent permitted by applicable law. We will notify you of the changes to this Agreement as required by law. 19. Rewards Benefits. We may offe…”
“…led between us. If we do not follow all of the rules above, you do 18. Amendments not have to pay the first $50 of the amount you question even if We reserve the right to change any terms or conditions of this your bill is correct. Agreement at any time, to the extent permitted by applicable law. Your Rights If You Are Dissatisfied with Your Credit Card Purchases. We will notify you of the changes to…”