Consumer Credit Card Application and Solicitation Disclosure Effective

Advantis Credit Union's filed agreement for Consumer Credit Card Application and Solicitation Disclosure Effective 04 01 2023 discloses no annual fee.

The disclosed terms

Consumer Credit Card Application and Solicitation Disclosure Effective 04 01 2023 is one of the agreements Advantis Credit Union has on file with the CFPB. It is issued on the Visa network and the filing runs six pages.

The filing is explicit about an annual fee line, a late payment maximum and a grace period. A purchase rate, a cash advance rate and a balance transfer rate are not stated.

Confidence in the parse of this filing is moderate rather than high, so the figures below are best checked against the original.

What the card costs before you borrow

No annual fee appears in the filing, in line with the roughly 75% of disclosing agreements in this index that charge nothing to hold the card.

Cash advances carry a cash advance fee of 1%.

When a payment is late

Late payments are capped at $35 under this filing, about the 54th percentile of late fee maximums in the corpus.

The grace period

25 days is the disclosed grace period for purchases — the interval in which paying in full costs nothing.

Inside Advantis Credit Union's filed lineup

There are 10 filings from Advantis Credit Union in this index.

What the filing does not tell you

The disclosure parsed here does not state a purchase rate, a foreign transaction fee and penalty pricing. Those gaps are gaps in what could be read from the filing, and the PDF may well address them in prose the rate table does not capture.

It is worth being explicit about scope: these filings record terms and pricing. They say nothing about rewards programmes, cardholder benefits, promotional offers or who the issuer will approve, and this review does not speculate about any of it.

Where the authority sits

The filed PDF is linked from this page and runs six pages. It is the authority for every figure summarised above; where this page and the document disagree, the document is right.

In short

All of this rests on figures read from the filing with less than full confidence, which is reason enough to check the document before relying on any of it.