Full Visa Credit Card Account Agreement Effective

The Full Visa Credit Card Account Agreement Effective 10 01 2022 filing from Advantis Credit Union sets out no annual fee.

On the face of the filing

This page covers the agreement Advantis Credit Union filed for Full Visa Credit Card Account Agreement Effective 10 01 2022. It is issued on the Visa network and the filing runs seven pages.

On the record here: an annual fee line, a late payment maximum, a foreign transaction fee and a grace period. No figure appears for a purchase rate, a cash advance rate and a balance transfer rate.

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

Paying in full

Purchases carry a 25-day grace period: pay the statement in full inside it and the purchase rate never applies.

Default pricing

On the fee side, a late payment can cost up to $35, which is around the 54th percentile here.

What the card costs before you borrow

The annual fee is $0. Roughly 75% of filings here that state a fee state zero, so the absence of one is unremarkable in this market.

Foreign transactions attract 1%. On $3,000 of overseas spending that is $30, charged on top of whatever exchange rate applies.

The issuer's other agreements

This is one of 10 Advantis Credit Union agreements collected here.

What the filing does not tell you

This page cannot tell you a purchase rate and penalty pricing, because the filing's disclosure table as read does not contain them.

More broadly, a CFPB agreement filing is a legal and pricing document. It does not describe rewards, benefits, sign-up offers, eligibility or approval criteria, and nothing of that kind has been inferred on this page. Where a card has features of that sort, they live outside this document entirely.

The document itself

The original filing, 7 pages long, is linked on this page and should be read before any figure here is acted on. It is also a snapshot: issuers refile as terms change.

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.