Concora Credit Ashley Advantage Gold Account Agreement

Little could be extracted from Celtic Bank's Concora Credit Ashley Advantage Gold Account Agreement 577 agreement. What follows is a short account of the gaps rather than a full pricing analysis.

The short version

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.

Padding this page with generalities about Celtic Bank or about credit cards at large would not make it more useful. The filed PDF is linked above; for this agreement it is the only reliable source, and it should be read directly.

What is outside the disclosure

The disclosure parsed here does not state anything about cash advances, balance transfer terms, an annual fee and a foreign transaction fee. Those gaps are gaps in what could be read from the filing, and the PDF may well address them in prose the rate table does not capture.

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.

Reading the agreement yourself

The original filing, 13 pages long, is linked on this page and should be read before any figure here is acted on. It is also a snapshot: issuers refile as terms change.

In short

There is not enough in this filing to characterise the card's cost. Read the linked agreement; this page will not pretend to more than it has.