<prompt> Human: If Im reading it correctly it says that I cant bring any claims against them or their third party affiliates in court. It must go through arbitration and the arbitrators decision will be final. I have 45 days to opt out. Should I or shouldnt I?  <response>: I have to completely disagree with everyone else.The main reason arbitration clauses are in there is to protect against class action suits. You cant certify a class in arbitration, so a million people with 50 claims wont make it to court.However, if the credit card company comes after you, you are MUCH better off having the arbitration clause in effect. The company has to bear almost all of the costs of arbitration usually over 1000, and the procedural rules and rules of evidence are much better for consumer who cant afford a lawyer which will be you if you get sued.I had a friend who was sued by a junk debt collector for thousands of dollars on a card with a limit of a few hundred dollars. Invoked the arbitration clause, case settled for the few hundred dollars that was actually owed. Problem solved. 