TSC Visa Card Addendum 103 0326 vf2

Citibank's filed agreement for TSC Visa Card Addendum 103 0326 vf2 discloses 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.

What the agreement puts on the record

Citibank submitted the terms for TSC Visa Card Addendum 103 0326 vf2 to the CFPB's agreement database; this is what they contain. It is issued on the Visa network and the filing runs one page.

Terms captured from the document include a purchase rate, a cash advance rate, a balance transfer rate, an annual fee line and a late payment maximum. No figure appears for a penalty rate and a foreign transaction fee.

The purchase rate in context

32.49% puts the purchase APR near the 77th percentile across 2,280 agreements, so it runs above the midpoint of the corpus.

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 cost of carrying a balance

At the disclosed purchase APR, $1,200 revolving for a full year costs something like $460 in interest.

The median purchase rate across the corpus is 21.99%; the same balance there would cost about $295. The gap — roughly $165 a year on $1,200 — is the price of this particular filing over a typical one.

That maths assumes a static balance and nothing else — no payments, no additional purchases, no fees folded in.

What the card costs before you borrow

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.

For cash advances the filing discloses a cash advance fee of $10 or 5% of the advance, whichever is greater and a cash advance APR of 32.49%. The two halves of that fee cross at about $200: below it the flat $10 applies, above it the percentage does.

Moving a balance onto this card carries an up-front charge of $10 or 5% of the amount transferred, whichever is greater, with the transferred balance priced at 32.49%. Shifting $1,000 across attracts something like $50 in fees on day one.

When a payment is late

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

Paying in full

25 days is the disclosed grace period for purchases — the interval in which paying in full costs nothing. That matches the 25-day median across the corpus almost exactly.

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

The limits of this document

This page cannot tell you a foreign transaction fee and penalty pricing, 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.

How it sits in the issuer's own range

This is one of 82 Citibank agreements collected here. Their disclosed purchase rates run from 25.99% to 34.24%, and this one at 32.49% is more expensive than 19 of them.

33 of the issuer's other 39 disclosing filings are likewise fee-free.

Go to the source

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

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.