Disclosed rates and fees
Every figure below was read from this issuer's filed agreement. Anything the filing does not state is left out of this table rather than shown as zero.
| Late payment fee | up to $5 |
|---|---|
| Foreign transaction fee | 1% |
| Grace period | 28 days |
Analysis
Alpena-Alcona Area Credit Union's filing for Credit Card Account Opening disclosure with BT CLASSIC discloses too little to analyse in detail — this page reports what could be read and points to the original document.
The short version
Only a small number of terms could be extracted from this agreement, which limits what can usefully be said about it.
Known terms amount to a late fee of up to $5, a 28-day grace period and a 1% foreign transaction fee, and no more than that.
Rather than fill the space with generic commentary, this page stops here and points at the document. For a filing this opaque, the PDF is the only thing worth reading.
What is outside the disclosure
The disclosure parsed here does not state a purchase rate, anything about cash advances, balance transfer terms and an annual fee. 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.
An agreement filing is not a marketing document. Rewards, perks, welcome offers and eligibility rules are not in it, are not in this dataset, and are therefore not discussed anywhere on this page.
The document itself
This summary stands or falls on the linked PDF — two pages. Agreements are amended over time, and the filing reflects the terms as submitted rather than as they stand today.
In short
No useful cost comparison is possible from what this document yields. The PDF is the only source worth consulting for these terms.
The source document
This page is a reading of one document: the cardholder agreement Alpena-Alcona Area Credit Union filed with the Consumer Financial Protection Bureau. Where the two disagree, the filing is correct and this page is wrong.
Applications are handled by Alpena-Alcona Area Credit Union, not by us. We do not take applications and cannot say whether you would be approved.
Other cards from Alpena-Alcona Area Credit Union
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APP & SOL intro rate & NO BT
Agreement filed with the CFPB
- Foreign tx fee
- 1%
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Application & Solicitation with BT & INTRO
Agreement filed with the CFPB
- Foreign tx fee
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-
Application and Solicitation Disclosure
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- Annual fee
- $0
- Foreign tx fee
- None
-
Credit Card Account Opening disclosure with BT PLAT
Agreement filed with the CFPB
- Foreign tx fee
- 1%
Where this card sits
Groups this agreement qualifies for, by its own disclosed terms:
Comparable cards from other issuers
Closest disclosed purchase APR among cards in the same groups.