Dillard's PL Addendum 21 0326 vf

On the record for Dillard's PL Addendum 21 0326 vf: a 32.49% purchase APR and no annual fee, filed by Citibank. That purchase rate ranks near the 77th percentile across this corpus of 4,587 filings.

What this filing discloses

Citibank filed this agreement for Dillard's PL Addendum 21 0326 vf with the Consumer Financial Protection Bureau. The filing runs one page.

The filing is explicit about a purchase rate, an annual fee line, a late payment maximum and a grace period. No figure appears for a cash advance rate, a balance transfer rate and a penalty rate.

The purchase APR against the corpus

At 32.49%, the purchase APR falls at roughly the 77th percentile of the 2,280 filings indexed here, which sits in the more expensive half.

Because the rate is variable, the figure quoted is tied to an index and will drift with it. Nothing here is a fixed commitment.

Translating the rate into money

At the disclosed purchase APR, $1,500 revolving for a full year costs something like $576 in interest.

Against the corpus median of 21.99%, that is approximately $207 a year of extra interest on the same $1,500.

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.

Fees, and what triggers them

The annual fee is $0. Roughly 75% of filings here that state a fee state zero, so the absence of one is unremarkable in this market.

The downside terms

Late payments are capped at $41 under this filing, about the 89th percentile of late fee maximums in the corpus.

Grace period and minimum charge

Purchases carry a 25-day grace period: pay the statement in full inside it and the purchase rate never applies.

The $2 minimum interest charge means the effective cost of carrying a very small balance is far higher than the quoted APR implies.

What you cannot learn from the filing

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.

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 issuer's other agreements

There are 82 filings from Citibank in this index. The issuer's own range is 25.99%–34.24%. At 32.49%, this agreement is dearer than 19 of its siblings.

On fees, 33 of the 39 sibling filings that disclose an annual fee also set it at zero — this one is among them.

Where the authority sits

The original filing, 1 page 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

The pricing here is middling by the standards of the index — 32.49% on purchases is near enough to typical. Because there is no annual fee, everything depends on the revolving behaviour: used as a payment instrument and cleared monthly, this agreement costs nothing.