Timeline Credit Card Disclosure Effective

Timeline Credit Card Disclosure Effective 2 1 26, as filed by Dollar Bank, Federal Savings Bank, carries a 17.74% purchase APR, no annual fee and a 12-month 0% opening period. That purchase rate ranks near the 23rd percentile across this corpus of 4,587 filings.

What the document actually states

Dollar Bank, Federal Savings Bank submitted the terms for Timeline Credit Card Disclosure Effective 2 1 26 to the CFPB's agreement database; this is what they contain. The filing runs five pages, and It is issued on the Mastercard network.

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. It is silent on a penalty rate.

The interest-free window

The filing discloses a 0% introductory rate running 12 months. For that window, balances covered by the promotion accrue no interest at all.

About 458 agreements in this corpus carry a zero-percent opening rate; this is one of them.

The go-to rate is 17.74%. Any balance still outstanding when the promotion lapses starts accruing at that figure — about $388 a year on $2,000.

The promotional window is therefore worth something on the order of $388 on $2,000, measured against the same balance priced at the standard rate for the same period.

How the purchase rate compares

At 17.74%, the purchase APR falls at roughly the 23rd percentile of the 2,280 filings indexed here, which comes in under the midpoint of the corpus.

The agreement labels the purchase rate variable, so the quoted figure reflects the index at the time of filing rather than a locked-in price.

To be precise about which number this is: the filing identifies it as the rate that takes over after the introductory period, not the introductory rate.

What the rate means in dollars

The purchase rate turns a $1,000 revolving balance into roughly $194 of annual interest.

Priced at the median of 21.99%, that balance would generate about $246 in a year — so this agreement comes in around $52 cheaper for the same debt.

Month to month it reads as about $14.68 per cycle on that balance.

Note the $0.50 minimum interest charge, which overrides the arithmetic above whenever the calculated interest falls below it.

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

Default pricing

The maximum late fee is $35 — roughly the 54th percentile of the late fee ceilings disclosed across this index.

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.

Cash advances carry a cash advance fee of $5 or 3% of the advance, whichever is greater and a cash advance APR of 19.74%. Cash is therefore 2 points dearer than buying something with the card. $167 is the crossover point where the percentage overtakes the $5 minimum. The grace period described below generally does not extend to cash advances, so interest on them usually begins immediately.

Moving a balance onto this card carries an up-front charge of $5 or 1% of the amount transferred, whichever is greater, with the transferred balance priced at 17.74%. Transferring $7,500 would cost roughly $75 at the door.

The filing sets a 3% foreign transaction fee, which adds roughly $30 to $1,000 spent outside the United States.

That is at the high end of this corpus — around the 91st percentile of disclosed foreign transaction fees.

Grace period and minimum charge

The filing gives 25 days' grace on purchases, meaning a statement balance paid in full within that window attracts no interest.

The $0.50 minimum interest charge means the effective cost of carrying a very small balance is far higher than the quoted APR implies.

How it sits in the issuer's own range

Dollar Bank, Federal Savings Bank has 5 agreements indexed on this site. Their disclosed purchase rates run from 12.74% to 18.49%, and this one at 17.74% is more expensive than 3 of them.

On fees, 3 of the 4 sibling filings that disclose an annual fee also set it at zero — this one is among them.

The limits of this document

This page cannot tell you penalty pricing, because the filing's disclosure table as read does not contain it.

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

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

In short

17.74% is an unexceptional purchase rate in this collection, and the rest of the terms follow the same pattern. Because there is no annual fee, everything depends on the revolving behaviour: used as a payment instrument and cleared monthly, this agreement costs nothing.