H E B Visa Signature® Credit Card (1)

H E B Visa Signature┬« Credit Card (1), as filed by First Electronic Bank, carries a purchase APR of 17.24%–35.99% and no annual fee. Against the 4,587 filings on this site, that rate lands around the 97th percentile.

The disclosed terms

First Electronic Bank filed this agreement for H E B Visa Signature® Credit Card (1) with the Consumer Financial Protection Bureau. The filing runs 18 pages, and It is issued on the Visa network.

The disclosure covers a purchase rate, an annual fee line, a late payment maximum and a grace period. It is silent on a cash advance rate, a balance transfer rate and a penalty rate.

The purchase APR against the corpus

Purchases price between 17.24% and 35.99% under this filing. The 18.75-point gap between the two is material, and nothing in the agreement indicates where a given account would land.

Those two numbers occupy very different places in the corpus: roughly the 46th percentile at the bottom and the 97th at the top.

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

A $2,000 balance left untouched for twelve months accrues about $866 in interest at this purchase rate.

A card priced at the corpus median of 21.99% would charge roughly $492 on that balance. This one charges about $374 more per year.

Month to month it reads as about $60.02 per cycle on that balance.

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

Charges beyond interest

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.

What a missed payment costs

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

Paying in full

21 days is the disclosed grace period for purchases — the interval in which paying in full costs nothing. That is shorter than the 25-day corpus median.

What is outside the disclosure

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.

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

23 separate First Electronic Bank filings appear in the corpus. Their disclosed purchase rates run from 29.49% to 35.99%, and this one at 35.99% is more expensive than 17 of them.

Go to the source

The filed PDF is linked from this page and runs 18 pages. It is the authority for every figure summarised above; where this page and the document disagree, the document is right.

In short

This is an expensive agreement by the standards of the corpus, driven by a 35.99% purchase rate that is inert for a transactor and punishing for a revolver.