Arbitration Overview Arbitration is a clause that is found in most Credit Card Agreements.  Your Card Agreement will state that you may use either AAA or JAMS as the arbitration firm.  The Card Agreement may also state something about who pays for arbitration.  It may say that "they" (the OC or JDB) will pay all of your filing fees.  This means arbitration will cost you a grand total of $0, while the creditor will be billed a minimum of $5,000 to complete an arbitration (and many times that