Ubs Bank USA
2 cardholder agreements · 1.2 MB
- Starting score100
- Forced arbitration with no opt-out-30
- Class-action waiver-12
- Deferred interest-15
- Penalty APR-6
- High penalty APR (29.99%)-6
- Fair Terms score31 · grade F
See the exact wording behind each below.
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Contract X-Ray — what's buried in the fine print
4 red flags · 2 filed docsDetected in the CFPB-filed cardholder agreements from Ubs Bank USA. Verbatim quotes below — CardSleuth flags the language; this isn't legal advice.
You give up your right to sue in court — disputes are pushed into private arbitration.
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“…) Claims regarding the applicability of this arbitration clause or the validity of the entire Agreement, shall be resolved exclusively and finally by binding arbitration under the rules and procedures of the arbitration Administrator selected at the time the Claim is filed. The Administrator selection process is set f…”
You can't band together with other cardholders in a class action.
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“…s a party, its service providers and marketing partners. Claims made and remedies sought as part of a class action, private attorney general or other representative action (hereafter all included in the term class action) are subject to arbitration on an individual basis, not on a class or representative basis. Alternat…”
“No interest if paid in full” — miss the deadline and you're billed interest back to day one.
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“…the current billing cycle (for this purpose, interest charges incurred do not include interest charges that accrued during prior billing cycles on a deferred interest balance (if there are any on your Account) that ended during the billing cycle covered by the statement), plus (3) any Returned Payment Fees and any…”
Slip up and your rate can jump to a much higher penalty APR.
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“…This APR will vary with the market based on the Prime Rate. APR for Cash Advances 28.74% This APR will vary with the market based on the Prime Rate. Penalty APR and When it 29.99% Applies This APR may be applied to your account if you: 1) Make a late payment; or 2) Make a payment that is returned. This APR wi…”
Checked & clear: Jury-trial waiver · Change-anytime clause
Cardholder agreements
Filed with the CFPB in the 2026 Q1 bulk submission. Opens the original PDF.