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 |
| Network | Visa |
Analysis
Alpena-Alcona Area Credit Union's filing for Visa Platinum Special 5 99 with NO BT discloses too little to analyse in detail — this page reports what could be read and points to the original document.
A filing that discloses little
Very little of this filing parsed into structured terms — only a handful of fields could be read with any confidence.
What did come through: a late fee of up to $5, a 28-day grace period and a 1% foreign transaction fee. That is the whole of it.
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 is outside the disclosure
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 filed PDF is linked from this page and runs two pages. It is the authority for every figure summarised above; where this page and the document disagree, the document is right.
In short
There is not enough in this filing to characterise the card's cost. Read the linked agreement; this page will not pretend to more than it has.
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
-
APP & SOL intro rate & NO BT
Agreement filed with the CFPB
- Foreign tx fee
- 1%
-
Application & Solicitation with BT & INTRO
Agreement filed with the CFPB
- Foreign tx fee
- 1%
-
Application and Solicitation Disclosure
Agreement filed with the CFPB
- Annual fee
- $0
- Foreign tx fee
- None
-
Credit Card Account Opening disclosure with BT CLASSIC
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.