It's Fashion Credit Card Agm

It's Fashion Credit Card Agm 0424, as filed by Cedar Hill National Bank, carries a 22.9% purchase APR and no annual fee. Against the 4,587 filings on this site, that rate lands around the 53rd percentile.

The disclosed terms

What follows is drawn entirely from Cedar Hill National Bank's CFPB filing for It's Fashion Credit Card Agm 0424. The filing runs four pages.

Terms captured from the document include a purchase rate, an annual fee line, a late payment maximum and a grace period. No figure appears for a cash advance rate, a balance transfer rate and a penalty rate.

Where the purchase APR sits

Ranked against the corpus, this purchase APR — 22.9% — sits at approximately the 53rd percentile and is about typical for the filings collected here.

What a balance actually costs

The purchase rate turns a $1,000 revolving balance into roughly $257 of annual interest.

The median purchase rate across the corpus is 21.99%; the same balance there would cost about $246. The gap — roughly $11 a year on $1,000 — is the price of this particular filing over a typical one.

There is also a floor: the filing sets a minimum interest charge of $1, so any cycle that accrues less than that is billed at $1 anyway.

That maths assumes a static balance and nothing else — no payments, no additional purchases, no fees folded in.

Where the fees are

No annual fee appears in the filing, in line with the roughly 75% of disclosing agreements in this index that charge nothing to hold the card.

When a payment is late

On the fee side, a late payment can cost up to $20, which is around the 17th percentile here.

The grace period

The filing gives 28 days' grace on purchases, meaning a statement balance paid in full within that window attracts no interest. The median across this index is 25 days, so this filing is more generous than most.

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

The issuer's other agreements

Cedar Hill National Bank has 55 agreements indexed on this site. The others all file the same 22.9% purchase rate. Whatever separates these products, it is not the cost of borrowing.

The limits of this document

This page cannot tell you anything about cash advances, balance transfer terms, a foreign transaction fee and penalty pricing, because the filing's disclosure table as read does not contain them.

It is worth being explicit about scope: these filings record terms and pricing. They say nothing about rewards programmes, cardholder benefits, promotional offers or who the issuer will approve, and this review does not speculate about any of it.

Go to the source

Everything here is a reading of the filed agreement, four pages of it, which is linked above and which governs. Terms also change between filings, so the date on the document matters.

In short

The pricing here is middling by the standards of the index — 22.9% on purchases is near enough to typical. Because there is no annual fee, everything depends on the revolving behaviour: used as a payment instrument and cleared monthly, this agreement costs nothing.