Any advantages or downsides to opting out of Chase’s arbitration if Chase sues you for credit non-payment? I read the sites FAQs (only mentioned class action a

Any advantages or downsides to opting out of Chase’s arbitration if Chase sues you for credit non-payment? I read the sites FAQs (only mentioned class action and if one or more people sue Chase) and appears that situation is likely not relevant for this opt-out?