CHA 202404F01 4 First Access CHA with Pricing

On the record for CHA 202404F01 4 First Access CHA with Pricing: a 35.99% purchase APR and a $400 annual fee, filed by Bank of Missouri, the. That purchase rate ranks near the 97th percentile across this corpus of 4,587 filings.

What the agreement puts on the record

Bank of Missouri, the submitted the terms for CHA 202404F01 4 First Access CHA with Pricing to the CFPB's agreement database; this is what they contain. The filing runs 15 pages.

Terms captured from the document include a purchase rate, a cash advance rate, an annual fee line and a late payment maximum. It is silent on a balance transfer rate, a penalty rate and a foreign transaction fee.

Where the purchase APR sits

The purchase APR of 35.99% places this agreement around the 97th percentile of the set — it is about as high as anything filed here.

The arithmetic of revolving

At the disclosed purchase APR, $4,000 revolving for a full year costs something like $1,732 in interest.

A card priced at the corpus median of 21.99% would charge roughly $983 on that balance. This one charges about $748 more per year.

Broken down to a single thirty-day cycle, the same balance accrues roughly $120.03.

Small balances do not get a proportionally small bill — the agreement imposes a $1 minimum interest charge in any month where interest applies.

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.

Where the fees are

Holding the card costs $400 a year before any transaction takes place — about the 99th percentile among agreements in this index that state a fee.

For scale, $400 is approximately what $1,111 of revolving balance would cost in interest over twelve months at this card's 35.99% rate.

Cash advances carry a cash advance APR of 35.99%. The grace period described below generally does not extend to cash advances, so interest on them usually begins immediately.

When a payment is late

The maximum late fee is $41 — roughly the 89th percentile of the late fee ceilings disclosed across this index.

Paying in full

A minimum interest charge of $1 applies in any cycle where interest is due, which makes very small revolving balances disproportionately expensive.

Against the rest of Bank of Missouri, the's filings

This is one of 120 Bank of Missouri, the agreements collected here. Their disclosed purchase rates run from 24.9% to 36%, and this one at 35.99% is more expensive than 99 of them.

What you cannot learn from the filing

This page cannot tell you balance transfer terms, a foreign transaction fee, a grace period 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.

Reading the agreement yourself

The filed PDF is linked from this page and runs 15 pages. It is the authority for every figure summarised above; where this page and the document disagree, the document is right.

In short

35.99% on purchases is the number that dominates this agreement. Paid in full each cycle it never applies; carried, it is among the dearer prices in this index. Against that sits the $400 annual fee, which is unavoidable once the account is open.