Credit Card Account Opening disclosure with BT PLAT

This Alpena-Alcona Area Credit Union filing resists summarising: the standard rate and fee disclosures are not present in readable form. The PDF is the source of record.

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.

There is no honest way to extend this analysis without inventing figures, so it ends here. The agreement Alpena-Alcona Area Credit Union filed is linked above and is the place to go.

What the filing does not tell you

Absent from the captured terms: a purchase rate, anything about cash advances, balance transfer terms and an annual fee. The original document is the place to look for any of these.

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.

Where the authority sits

The original filing, 2 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

With the disclosure table unreadable, any summary would be guesswork. The filed agreement stands as the only statement of these terms.