It's Fashion Credit Card Agm

Cedar Hill National Bank's filed agreement for It's Fashion Credit Card Agm 0424 discloses 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

This page covers the agreement Cedar Hill National Bank filed for It's Fashion Credit Card Agm 0424. The filing runs four pages.

The disclosure covers a purchase rate, an annual fee line, a late payment maximum and a grace period. It is silent on a cash advance rate, a balance transfer rate and a penalty rate.

Pricing the purchase rate

The purchase APR of 22.9% places this agreement around the 53rd percentile of the set — it is about typical for the filings collected here.

What a balance actually costs

Put $5,000 on the card and never reduce it, and twelve months of interest at the disclosed purchase rate comes to approximately $1,286.

Against the corpus median of 21.99%, that is approximately $57 a year of extra interest on the same $5,000.

Month to month it reads as about $94.97 per cycle on that balance.

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.

The fee structure

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 no-interest path

28 days is the disclosed grace period for purchases — the interval in which paying in full costs nothing. The median across this index is 25 days, so this filing is more generous than most.

The $1 minimum interest charge means the effective cost of carrying a very small balance is far higher than the quoted APR implies.

What is outside the disclosure

Absent from the captured terms: anything about cash advances, balance transfer terms, a foreign transaction fee and penalty pricing. The original document is the place to look for any of these.

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.

How it sits in the issuer's own range

Cedar Hill National Bank has 55 agreements indexed on this site. Every one of the others that discloses a purchase rate discloses the same 22.9%, so the issuer's filings are near-identical on pricing and the differences between its cards lie outside the rate table.

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

22.9% is an unexceptional purchase rate in this collection, and the rest of the terms follow the same pattern. With no annual fee, the cost of the account is entirely a function of whether a balance is carried.