Westmark Credit Union

2 cardholder agreements · 343 KB · 3 surveyed cards

Fair Terms · grade A (94/100)

1 contract red flag across 2 filed docs · see how every issuer ranks →

Why this grade

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

See the exact wording behind each below.

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

1 red flag · 2 filed docs

Detected in the CFPB-filed cardholder agreements from Westmark 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.

Jumps to ~18%

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“…ble APR Purchases ANNUAL PERCENTAGE RATE (APR) for Balance Transfers 17.99% FIXED APR ANNUAL PERCENTAGE RATE (APR) for Cash Advances 17.99% FIXED APR Penalty APR and When it Applies 18.00% FIXED APR. This APR may be applied to Your Account if you make a late payment. How Long Will the Penalty APR Apply? If you…”

Visa Cash Rewards ↗

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