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You can opt out of this issuer's forced arbitration
deadline ≈ 30 days
Webbank's agreement lets you reject arbitration and keep your right to sue — usually within 30 days of opening the account. You have to send it in writing. Here's the language from the filed agreement:
“…INCLUDES AN ARBITRATION PROVISION WHICH WILL APPLY TO YOU UNLESS (1) YOU ARE A COVERED BORROWER UNDER THE MILITARY LENDING ACT, OR (2) YOU REJECT THE ARBITRATION PROVISION. IF APPLICABLE, THE ARBITRATION PROVISION WILL SIGNIFICANTLY AFFECT YOUR RIGHTS IF A DISPUTE ARISES BETWEEN YOU AND US. FOR EXAMPLE, YOU WILL NOT BE ABLE TO BRING OR PARTICIPATE IN A CLASS ACTION https://www.imaginecredit.com/legal/#cardholder-agreement 4/41 4/23/26, 6:28 PM Legal - imaginecredit.com RELATING TO MATTERS ARISING UNDER THIS AGREEMENT AND YOU WAIVE YOUR RIGHT TO A JURY TRIAL. U.S. VIRGIN ISLANDS RESIDENTS PLEASE READ THIS: The provisions titled Using Your Account, Disputed Payments- Postdated Checks, Restrictive Endorsement Checks and Other Disputed or Qualified Payments, Changes in Terms, Assignment; Transfer, Arbitration Provision and Billing Rights Notice restrict or reduce your rights. MILITARY LENDI…”
“…ent if you do not cancel your Account within 30 days after we send you the Card or if you (or an Authorized User) use the Account. However, you may reject the Arbitration Clause with Class Action and Jury Trial Waiver ( Clause ) as noted in that Clause if you wish. In the event of a dispute, the Clause will have a substantial effect on your rights, including your right to bring or participate in a class action, unless you are a Military Lending Act (MLA) Covered Borrower. Changes to Your Agreement: Except for changes to the Arbitration Clause (as defined below), we may alter or modify the rates, fees and terms of this Agreement, including to add or delete any term to this Agreement. We will give you advance written notice of these changes and a right to reject the change, if required by law. Subject to applicable law, continued access to or use of your account following notice of any cha…”
“…ent includes an Arbitration provision. Arbitration replaces the right to go to court and the right to have a jury decide a dispute. You may opt out of this Arbitration provision by following the instructions below in the Arbitration section. If you are a Covered Borrower under the Military Lending Act, the provisions of this WebBank/Fingerhut Fetti Credit Account relating to arbitration do not apply to this WebBank/Fingerhut Fetti Credit Account involving consumer credit. You can use your Account to purchase goods or services from Fingerhut or any merchant authorized to accept your Account, and to pay for goods and services offered in connection with your Account. This account may require a down payment on your first purchase. You may at any time pay off the full balance of your Account. You may only use your Account for personal, family, and household purposes. You and WebBank will be b…”
Detected in the CFPB-filed cardholder agreements from Webbank. Verbatim quotes below — CardSleuth flags the language; this isn't legal advice.
Forced arbitration
You give up your right to sue in court — disputes are pushed into private arbitration.
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“…ctronic form. See the Fees section in your Cardholder Agreement for more details. CARDHOLDER AGREEMENT ARBITRATION NOTICE: THIS AGREEMENT INCLUDES AN ARBITRATION PROVISION WHICH WILL APPLY TO YOU UNLESS (1) YOU ARE A COVERED BORROWER UNDER THE MILITARY LENDING ACT, OR (2) YOU REJECT THE ARBITRATION PROVISION. IF APPLICA…”
“…Unless prohibited by applicable law and unless you opt-out, you and we agree that any party about? agreement to arbitrate covered by this Clause may elect to arbitrate or require arbitration of any Dispute as defined Disputes. below. Who does the Clause You, us, and certain This Clause governs you and us. It also c…”
“…f this Agreement at the time you sign it. You acknowledge that you have received a copy of this Agreement for your records This Agreement includes an Arbitration provision. Arbitration replaces the right to go to court and the right to have a jury decide a dispute. You may opt out of this Arbitration provision by follow…”
You can't band together with other cardholders in a class action.
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“…OVISION. IF APPLICABLE, THE ARBITRATION PROVISION WILL SIGNIFICANTLY AFFECT YOUR RIGHTS IF A DISPUTE ARISES BETWEEN YOU AND US. FOR EXAMPLE, YOU WILL NOT BE ABLE TO BRING OR PARTICIPATE IN A CLASS ACTION https://www.imaginecredit.com/legal/#cardholder-agreement 4/41 4/23/26, 6:28 PM Legal - imaginecredit.com RELATING TO MATTERS ARISING UNDER TH…”
“…tes. Disputes subject to 2. Have courts, other than small-claims courts, decide Disputes. this Clause? 3. Serve as a private attorney general or in a representative capacity. 4. Join or consolidate a Dispute with disputes by other parties. 5. Bring or be a class member in a class action claim or lawsuit, including as a re…”
“…ispute in a court may elect to arbitrate any other dispute that may be raised in that litigation. Disputes brought as part of a class action or other representative basis are subject to arbitration on an individual (nonclass, non-representative) basis. IF YOU DO NOT OPT OUT, THEN YOU WILL HAVE WAIVED YOUR RIGHT TO INDI…”
You waive your right to have a dispute heard by a jury.
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“…maginecredit.com/legal/#cardholder-agreement 4/41 4/23/26, 6:28 PM Legal - imaginecredit.com RELATING TO MATTERS ARISING UNDER THIS AGREEMENT AND YOU WAIVE YOUR RIGHT TO A JURY TRIAL. U.S. VIRGIN ISLANDS RESIDENTS PLEASE READ THIS: The provisions titled Using Your Account, Disputed Payments- Postdated Checks, Restrictive End…”
“…ys after we send you the Card or if you (or an Authorized User) use the Account. However, you may reject the Arbitration Clause with Class Action and Jury Trial Waiver ( Clause ) as noted in that Clause if you wish. In the event of a dispute, the Clause will have a substantial effect on your rights, including your…”
“…ns 20. Disclosure of Information to Third Parties 21. Governing Law 22. Arbitration Provision 22.1. De nitions 22.2. Right to Elect Arbitration 22.3. No Jury Trial or Class Claims 22.4. Initiation of Arbitration 22.5. Public Injunctive Relief 22.6. Arbitration Award and Appeals 22.7. Enforcement of this Arbitrat…”
“No interest if paid in full” — miss the deadline and you're billed interest back to day one.
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“…esignated fixed payment amount. If your New Balance is less than the fixed amount you designate, only the New Balance will be deducted. If you have a Deferred Interest Plan and you enroll in our Automatic Payment Plan, you will need to make one or more additional payments by mail or by phone to avoid interest. See D…”
“…c to a Purchase or a group of Purchases. We may offer any of the following Purchase-Specific Promotions from time to time: Reduced Interest Purchases Deferred Interest Purchases (sometimes marketed as No Interest if Paid in Full ) Planned Payment Purchases Purchase-Specific Promotions Reduced Interest Purchases What…”
The issuer reserves the right to change your rates, fees and terms at any time.
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“…count at any time without incurring any additional charge for prepayment. Change of Terms (including Interest Charges). Subject to applicable law, we may change or terminate any term of this Agreement or add new terms at any time, including, without limitation, adding or increasing fees, increasing your minimum payment and increasing the rate or amount of interest charges or c…”
“…ILL APPLY EVEN IF ANY LIMITED REMEDY FAILS OF ITS ESSENTIAL PURPOSE. Section 25: Change in Terms Subject to the limitations of applicable law, we may at any time change, add to, or delete any of the terms and conditions in this Agreement. We will give you notice of any change, addition, or deletion as required by applicable law. Such changed terms will…”
“…and obligations under this Agreement. Any attempted sell, assignment or transfer by you without our prior written consent will be null and void. 35. Change of Terms Subject to applicable law, we may at any time change, add to or delete terms and conditions of this Agreement, including interest rates, fees and charges. Such changes may be based on our anti-fr…”
Slip up and your rate can jump to a much higher penalty APR.
Jumps to ~33.49%
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“…our APR will vary with the market based on the Prime Rate.1 APR for Cash Advances 29.49% This APR will vary with the market based on the Prime Rate.2 Penalty APR and When it 33.49%. This APR will vary with the market based on the Prime Applies Rate.3 This APR may be applied to your Account if you: Make late pa…”
The contract lets you reject arbitration (usually within a short deadline) and keep your right to sue.
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“…AGREEMENT INCLUDES AN ARBITRATION PROVISION WHICH WILL APPLY TO YOU UNLESS (1) YOU ARE A COVERED BORROWER UNDER THE MILITARY LENDING ACT, OR (2) YOU REJECT THE ARBITRATION PROVISION. IF APPLICABLE, THE ARBITRATION PROVISION WILL SIGNIFICANTLY AFFECT YOUR RIGHTS IF A DISPUTE ARISES BETWEEN YOU AND US. FOR EXAMPLE, YOU…”
“…his Agreement if you do not cancel your Account within 30 days after we send you the Card or if you (or an Authorized User) use the Account. However, you may reject the Arbitration Clause with Class Action and Jury Trial Waiver ( Clause ) as noted in that Clause if you wish. In the event of a dispute, the Clause…”
“…his Agreement includes an Arbitration provision. Arbitration replaces the right to go to court and the right to have a jury decide a dispute. You may opt out of this Arbitration provision by following the instructions below in the Arbitration section. If you are a Covered Borrower under the Military Lending Act, the provis…”