ATIRAcredit Secured MasterCard Terms and Conditions

AMC Fs's filed agreement for ATIRAcredit Secured MasterCard Terms and Conditions discloses a 22.49% purchase APR and a $29 annual fee. Against the 4,587 filings on this site, that rate lands around the 51st percentile.

On the face of the filing

This page covers the agreement AMC Fs filed for ATIRAcredit Secured MasterCard Terms and Conditions. The filing runs four pages, and It is issued on the Mastercard network.

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

Collateral and the deposit

This is a secured agreement — the credit line is collateralised by a deposit. The disclosure table captured on this page covers pricing only; the mechanics of the deposit live in the body of the document.

Securing the line has not placed this agreement at the bottom of the market — 22.49% ranks near the 51st percentile across every filing indexed here.

The purchase APR against the corpus

The purchase APR of 22.49% places this agreement around the 51st percentile of the set — it is about typical for the filings collected here.

The filing marks this rate as variable, which means it moves with the index the agreement names rather than staying where it is quoted today.

Translating the rate into money

A $1,200 balance left untouched for twelve months accrues about $303 in interest at this purchase rate.

The median purchase rate across the corpus is 21.99%; the same balance there would cost about $295. The gap — roughly $7 a year on $1,200 — is the price of this particular filing over a typical one.

Treat this as an illustration of what the disclosed rate does, not as a projection of a real account, which would be shaped by payments and by the fees described elsewhere in the filing.

What the card costs before you borrow

The annual fee is $29, charged whether or not the card is used. Against the filings here that disclose a fee, that sits at roughly the 80th percentile.

For scale, $29 is approximately what $129 of revolving balance would cost in interest over twelve months at this card's 22.49% rate.

Cash advances carry a cash advance fee of $10 or 4% of the advance, whichever is greater and a cash advance APR of 22.49%.

Spending abroad costs an extra 1% — about $50 on $5,000 of purchases, independent of interest.

The downside terms

Late payments are capped at $25 under this filing, about the 32nd percentile of late fee maximums in the corpus.

The grace period

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

The limits of this document

Absent from the captured terms: balance transfer terms and penalty pricing. 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.

Inside AMC Fs's filed lineup

There are 12 filings from AMC Fs in this index. The issuer's own range is 21.49%–22.49%. At 22.49%, this agreement is dearer than 1 of its siblings.

Its $29 annual fee is higher than 3 of the 5 sibling filings that state one.

Go to the source

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

In short

22.49% is an unexceptional purchase rate in this collection, and the rest of the terms follow the same pattern. The $29 annual fee is charged regardless of use, so it is a cost that applies even to an account that never revolves.