United Consumers Credit Union

3 cardholder agreements · 407 KB · 2 surveyed cards

Fair Terms · grade A (94/100)

1 contract red flag across 3 filed docs · see how every issuer ranks →

Why this grade

Starting score100
Penalty APR-6
Fair Terms score94 · grade A

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Contract X-Ray — what's buried in the fine print

1 red flag · 3 filed docs

Detected in the CFPB-filed cardholder agreements from United Consumers Credit Union. Verbatim quotes below — CardSleuth flags the language; this isn't legal advice.

Penalty APR

Slip up and your rate can jump to a much higher penalty APR.

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“…AGE for more important information about your account. ?? CUNA Mutual Group 2009, 10, 12, 16 All Rights Reserved 02409308-MXC10-C-1-092321 (MXC102-E) Penalty APR and When it Applies Visa UC Rewards NONE Visa Share Secured NONE Visa NONE How to Avoid Paying Interest on Your due date is at least 25 days after th…”

Visa_tabular ↗

Checked & clear: Forced arbitration · Class-action waiver · Jury-trial waiver · Deferred interest · Change-anytime clause