Paste it anywhere on your site. The badge links back to this page — a real, crawlable link, not an image.
Contract X-Ray — what's buried in the fine print
3 red flags · 6 filed docs
Detected in the CFPB-filed cardholder agreements from U.S. Bank National Association. 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.
Show the exact wording ↓Hide wording ↑
“…Service to learn the portion of your Credit Limit is provided with the Account and Card. which is available for Advances. This Agreement contains an arbitration provision (including a class action 5. Convenience Checks: From time to time, we may supply Convenience Checks arbitration waiver). It is important that you re…”
“…e contact Cardmember Service to learn the portion of your Revolve Limit which is available Account and Card. for Advances. This Agreement contains an arbitration provision (including a class action 5. Convenience Checks: From time to time, we may supply Convenience Checks for arbitration waiver). It is important that yo…”
“…ed with the Account and Card. and be treated as an Advance or as a Balance Transfer. We may also return a Check unpaid if: This Agreement contains an arbitration provision (including a class action (a) the credit available under your Credit Limit is less than the Check amount; arbitration waiver). It is important that y…”
You can't band together with other cardholders in a class action.
Show the exact wording ↓Hide wording ↑
“…FORE A JUDGE OR JURY AND TO BRING OR PARTICIPATE IN ANY brought in arbitration will be brought on an individual basis only. You and we CLASS OR OTHER REPRESENTATIVE ACTION. agree that no class action, private attorney general, or other representative claims may be pursued in arbitration, nor may such action be pursued i…”
“…RE A vacated or confirmed and entered as a judgment in any court having jurisdiction. JUDGE OR JURY AND TO BRING OR PARTICIPATE IN ANY CLASS OR OTHER REPRESENTATIVE ACTION. No Class Action or Joinder of Parties: You and we agree that any Claim brought in arbitration will be brought on an individual basis only. You and w…”
“…DGE OR JURY AND TO BRING OR PARTICIPATE IN ANY CLASS OR OTHER arbitration will be brought on an individual basis only. You and we agree that no class REPRESENTATIVE ACTION. action, private attorney general, or other representative claims may be pursued in arbitration, nor may such action be pursued in court if either yo…”
Slip up and your rate can jump to a much higher penalty APR.
Show the exact wording ↓Hide wording ↑
“…ash Advances Prime + 22.74% to 23.74% This APR will vary with the Market based on (APR) 29.49% to 30.49% the Prime Rate. (DPR) 0.080795% to 0.083534% Penalty APR and When It Applies There is no Penalty Rate for your Account. Paying Interest Your due date is 24 30 days after the close of each billing cycle. We…”
“…ash Advances Prime + 20.74% to 23.74% This APR will vary with the Market based on the (APR) 27.49% to 30.49% Prime Rate. (DPR) 0.075315% to 0.083534% Penalty APR and When It Applies There is no Penalty Rate for your Account. Paying Interest Your due date is 24 30 days after the close of each billing cycle. We…”
“…71% Annual Percentage Rates for Cash Advances Prime + 7.00 % This APR will vary with the Market based on the (APR) 13.75% Prime Rate. (DPR) 0.037671% Penalty APR and When It Applies There is no Penalty Rate for your Account. Paying Interest Your due date is 24-30 days after the close of each billing cycle. The…”