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Virginia Federal Credit Union

15 cardholder agreements · 3.2 MB

A
Fair Terms · grade A (92/100)
1 contract red flag across 14 filed docs · see how every issuer ranks →
Why this grade
  • Starting score100
  • Change-anytime clause-8
  • Fair Terms score92 · grade A

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

1 red flag · 14 filed docs

Detected in the CFPB-filed cardholder agreements from Virginia 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.

Show the exact wording ↓
“…ned herein, and you agree to pay all amounts owed when due. You do not have to accept the Card or pay any fee unless you activate or use the Card. We can amend this Agreement at any time and without notice to you unless required by law. When required by law we will provide written notice to you within the time period allowed by law. A…”
2022 Credit Card Agreement ↗

Checked & clear: Forced arbitration · Class-action waiver · Jury-trial waiver · Deferred interest · Penalty APR

Cardholder agreements

Filed with the CFPB in the 2026 Q1 bulk submission. Opens the original PDF.

2022 Credit Card Agreement216 KBCredit Card Agreement 12-1-24213 KBCredit Card Agreement 12-1-24213 KBcredit_card_agreement Dec 2022204 KBCredit_Card_Agreement September215 KBcredit_card_agreement_1st qtr203 KBcredit_card_agreement_June 2023205 KBcredit_card_agreement_September203 KBcredit_card_agreement217 KBcredit_card_agreement211 KBcredit_card_agreementMarch 2023204 KBcredit-card-agreement213 KBM-903052 Variable Account Agreement 12.1.25213 KBM-903182 Variable Account Agreement 3.1.26378 KBVariable_Cards_Schumer_Disclosurer 10-1-24 INTRO OFFER print M902561 highlited217 KB