Concora Credit Account Agreement

Little could be extracted from Celtic Bank's Concora Credit Account Agreement 579 agreement. What follows is a short account of the gaps rather than a full pricing analysis.

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.

Known terms amount to a purchase APR of 35.9% and a late fee of up to $41, and no more than that.

There is no honest way to extend this analysis without inventing figures, so it ends here. The agreement Celtic Bank filed is linked above and is the place to go.

What you cannot learn from the filing

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

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.

Where the authority sits

Everything here is a reading of the filed agreement, 13 pages of it, which is linked above and which governs. Terms also change between filings, so the date on the document matters.

In short

No useful cost comparison is possible from what this document yields. The PDF is the only source worth consulting for these terms.