TSC Store Card Addendum 61 0326 vf2

The TSC Store Card Addendum 61 0326 vf2 filing from Citibank sets out a 32.49% purchase APR and no annual fee. The purchase rate sits at roughly the 77th percentile of the 4,587 agreements indexed here.

On the face of the filing

The document behind this page is Citibank's filed agreement for TSC Store Card Addendum 61 0326 vf2. 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.

How the purchase rate compares

The purchase APR of 32.49% places this agreement around the 77th percentile of the set — it 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.

The arithmetic of revolving

At the disclosed purchase APR, $1,000 revolving for a full year costs something like $384 in interest.

Against the corpus median of 21.99%, that is approximately $138 a year of extra interest on the same $1,000.

Note the $2 minimum interest charge, which overrides the arithmetic above whenever the calculated interest falls below it.

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.

Where the fees are

No annual fee appears in the filing, in line with the roughly 75% of disclosing agreements in this index that charge nothing to hold the card.

The no-interest path

Anyone clearing the statement balance inside 25 days pays no purchase interest at all under this filing.

Where interest applies at all, the filing bills at least $2. On a tiny balance that floor can dwarf the rate itself.

What a missed payment costs

On the fee side, a late payment can cost up to $41, which is around the 89th percentile here.

How it sits in the issuer's own range

82 separate Citibank filings appear in the corpus. Across that lineup purchase rates span 25.99% to 34.24%; this filing's 32.49% sits above 19 of the comparable ones.

What is outside the disclosure

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

It is worth being explicit about scope: these filings record terms and pricing. They say nothing about rewards programmes, cardholder benefits, promotional offers or who the issuer will approve, and this review does not speculate about any of it.

Where the authority sits

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

In short

At 32.49% the purchase rate is close to ordinary for this corpus; nothing in the rate table sets this filing far apart from its peers.