Concora Credit Ashley Advantage Gold Account Agreement

This Celtic Bank filing resists summarising: the standard rate and fee disclosures are not present in readable form. The PDF is the source of record.

The short version

Only a small number of terms could be extracted from this agreement, which limits what can usefully be said about it.

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.

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.

The document itself

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

With the disclosure table unreadable, any summary would be guesswork. The filed agreement stands as the only statement of these terms.