Concora Credit Account Agreement Raymour & Flanigan

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.

What could be read, and what could not

The disclosure captured from this document is thin: a few fields, and not the ones that usually matter most.

What did come through: a purchase APR of 35.9% and a late fee of up to $41. That is the whole of it.

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 the filing does not tell you

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

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.

The document itself

The filed PDF is linked from this page and runs 13 pages. It is the authority for every figure summarised above; where this page and the document disagree, the document is right.

In short

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