Credit Card Agreement
What's actually in your credit card agreement?
Penalty APRs, mandatory arbitration, rewards forfeiture clauses — credit card fine print is designed to be ignored. Scan yours free to see what's in there before deciding whether to pay for the full breakdown.
Here's what we typically find in a credit card agreement
Penalty APR of 29.99% triggers after one late payment
A single late payment — even by one day — raises your rate from 19.99% to 29.99% on your entire existing balance, not just new charges.
Mandatory arbitration — you cannot sue in court
All disputes must go through private arbitration. You waive the right to a jury trial and cannot join a class-action lawsuit.
Cash advance APR is 27.99% with no grace period
Withdrawing cash from an ATM costs 5% upfront plus 27.99% APR with interest accruing from day one — no grace period applies.
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What we look for
Penalty APR
The sky-high rate (often 29.99%) that kicks in after a late payment — and exactly what triggers it.
Cash advance APR
Typically 5–10% higher than the purchase APR, with no grace period. Interest starts the day of the advance.
Mandatory arbitration
Most card agreements waive your right to sue in court. We flag the exact arbitration clause and whether there's an opt-out.
Universal default
Some cards raise your rate if you're late on a different account — not just this one. We find this clause if it's present.
Annual fee timing
When the annual fee is charged, whether it's refundable if you cancel, and whether the first year is waived.
Rewards forfeiture
Conditions under which your accumulated points or cash back can be cancelled — including late payments or account closure.
Common questions
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