: Declining Binding Arbitration on credit card accounts Recently Chase was making a change to its user agreement and was automatically assuming your consent to abide by binding arbitration unless you opted out explicitly by

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Is there a way to specifically reach out to these card providers and
opt-out of the binding arbitration?

If you already have a card from them, you are bound by the current agreement. They have zero reason to make a change. If that means that you want to cancel the card they will not do anything to keep you as a customer. Even if you spend 10's of thousands of dollars on a card each year, they have more than enough customers to survive.

If you are thinking of getting a card from them, and you see the binding arbitration mentioned in the agreement, you can expect that they will not accept a modified agreement. If you don't agree to their terms they will not give you a card.

When they send you an updated agreement they always include a date when you are automatically assumed to accept the changes, if you charge any amount after that date you are bound to the agreement. Your option if there are provisions you don't like is to drop the card.

Each credit card network has millions of customers, they have no reason to have different dispute resolution terms on their different products. They have no capacity or desire to allow customers or potential customers to modify agreements.