I'm surprised they haven't done that sooner. IIRC AT&T amended the terms of their "Universal" credit card to include binding arbitration and forbid class actio

I'm surprised they haven't done that sooner. IIRC AT&T amended the terms of their "Universal" credit card to include binding arbitration and forbid class actions... right after they lost a class-action suit for having a flexible definition of when a payment would be counted as "late".