The paper investigates the effects of higher-derivative corrections to the effective field theory (EFT) of Kerr-Newman black holes. These corrections, which are suppressed by powers of a mass scale, typically produce small corrections to low-energy physics. However, for extremal Kerr-Newman black holes, these corrections can lead to diverging tidal forces on the horizon. The inclusion of a nonzero black hole charge further exacerbates this effect, making the singularity at the horizon more severe. The authors show that for realistic values of the black hole charge, large tidal forces can arise before quantum corrections due to the Schwarzian mode become significant. This means that the near-horizon behavior of the black hole is dominated by higher-derivative terms in the effective theory. The paper provides analytical and numerical results, demonstrating that the tidal forces at the horizon scale inversely with the black hole temperature and can be much stronger than in the Kerr case. The authors also explore the astrophysical relevance of these findings, noting that charged black holes can be sensitive probes of new physics, even more dramatically than in the pure Kerr case.The paper investigates the effects of higher-derivative corrections to the effective field theory (EFT) of Kerr-Newman black holes. These corrections, which are suppressed by powers of a mass scale, typically produce small corrections to low-energy physics. However, for extremal Kerr-Newman black holes, these corrections can lead to diverging tidal forces on the horizon. The inclusion of a nonzero black hole charge further exacerbates this effect, making the singularity at the horizon more severe. The authors show that for realistic values of the black hole charge, large tidal forces can arise before quantum corrections due to the Schwarzian mode become significant. This means that the near-horizon behavior of the black hole is dominated by higher-derivative terms in the effective theory. The paper provides analytical and numerical results, demonstrating that the tidal forces at the horizon scale inversely with the black hole temperature and can be much stronger than in the Kerr case. The authors also explore the astrophysical relevance of these findings, noting that charged black holes can be sensitive probes of new physics, even more dramatically than in the pure Kerr case.