1. I don't get it, everybody is worried about chase arbitration. Chase is late when it comes to this game. Amex and other banks already have arbitration in the agreement, doesn't sound like people are worried about those banks
2. If you have debt and aren't paying than they have to go to court not arbitration to get a judgment against you
3. Arbitration is mainly so you can't join a class action against them and sue for alot of money