Consumer World DTC 1 2025

Consumer World DTC 1 2025 v15, as filed by First Arkansas Bank and Trust, carries a 16.49% purchase APR and a 0% opening rate. The purchase rate sits at roughly the 18th percentile of the 4,587 agreements indexed here.

What the document actually states

First Arkansas Bank and Trust submitted the terms for Consumer World DTC 1 2025 v15 to the CFPB's agreement database; this is what they contain. The filing runs four pages.

Terms captured from the document include a purchase rate, a cash advance rate, a balance transfer rate, a late payment maximum and a grace period. It is silent on a penalty rate, an annual fee line and a foreign transaction fee.

The promotional period

A 0% promotional rate appears in the document without an accompanying term — the length of the window is not captured.

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

Once the introductory period ends the rate becomes 16.49%, which turns a lingering $1,000 balance into approximately $179 of annual interest.

How the purchase rate compares

Measured against every other filing on the site, 16.49% is about the 18th percentile for purchase APR; it reads as inexpensive against the rest of the filings.

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.

This figure is the post-promotional rate. The introductory pricing is handled separately further down.

Translating the rate into money

A $4,000 balance left untouched for twelve months accrues about $717 in interest at this purchase rate.

Measured against the 21.99% corpus median, the same $4,000 costs approximately $267 less per year here.

Per statement cycle that is on the order of $54.57 on $4,000, which is the number that actually shows up on a bill.

These figures are arithmetic on the disclosed rate, not a quote: they assume the balance is never reduced, ignore any payments, and take no account of fees charged separately.

The grace period

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

What a missed payment costs

$35 is the disclosed ceiling on a late payment fee, placing it near the 54th percentile of the set.

What the card costs before you borrow

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 28.24%. The premium over purchases is 11.75 percentage points. The two halves of that fee cross at about $200: below it the flat $10 applies, above it the percentage does.

Balance transfers cost $10 or 4% of the amount transferred, whichever is greater up front and then accrue at 19.99%. Shifting $7,500 across attracts something like $300 in fees on day one.

How it sits in the issuer's own range

First Arkansas Bank and Trust has 19 agreements indexed on this site. The issuer's own range is 14.49%–23.49%. At 16.49%, this agreement is dearer than 4 of its siblings.

The limits of this document

This page cannot tell you an annual fee, a foreign transaction fee and penalty pricing, because the filing's disclosure table as read does not contain them.

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.

Where the authority sits

This summary stands or falls on the linked PDF — four pages. Agreements are amended over time, and the filing reflects the terms as submitted rather than as they stand today.

In short

The purchase rate of 16.49% is one of the cheaper figures in this index — the central point in the agreement's favour.