Consumer Visa Terms and Conditions (33930 0)

The Consumer Visa Terms and Conditions (33930 0) filing from First Financial Bank sets out a 21.49% purchase APR, no annual fee and a 12-month 0% opening period. That purchase rate ranks near the 47th percentile across this corpus of 4,587 filings.

What this filing discloses

The document behind this page is First Financial Bank's filed agreement for Consumer Visa Terms and Conditions (33930 0). It is issued on the Visa network and the filing runs six pages.

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 promotional period

This agreement opens at 0% for 12 months, the only period in the document where carrying a balance is free.

Roughly 458 of the 4,587 filings indexed here disclose a zero-percent introductory rate, so this is a real feature of the document but not a rare one.

Behind the promotion sits a 21.49% purchase rate. On $2,000 that is in the region of $479 a year once the window closes.

Valued honestly, 12 months at zero on $2,000 avoids about $479 of interest compared with the go-to rate — the whole of what the promotion delivers.

The purchase rate in context

21.49% puts the purchase APR near the 47th percentile across 2,280 agreements, so it is about typical for the filings collected here.

The filing marks this rate as variable, which means it moves with the index the agreement names rather than staying where it is quoted today.

What a balance actually costs

A $1,500 balance left untouched for twelve months accrues about $359 in interest at this purchase rate.

Measured against the 21.99% corpus median, the same $1,500 costs approximately $9 less per year here.

Month to month it reads as about $26.72 per cycle on that balance.

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.

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.

Cash advances carry a cash advance fee of $10 or 2% of the advance, whichever is greater and a cash advance APR of 21.49%. $500 is the crossover point where the percentage overtakes the $10 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 $10 or 2% of the amount transferred, whichever is greater, with the transferred balance priced at 8.74%. On $2,000 that fee is about $40 before any interest is charged.

When a payment is late

Late payments are capped at $39 under this filing, about the 63rd percentile of late fee maximums in the corpus.

Paying in full

27 days is the disclosed grace period for purchases — the interval in which paying in full costs nothing. Against a corpus median of 25 days, this is a wider window than usual.

Against the rest of First Financial Bank's filings

This is one of 5 First Financial Bank agreements collected here. Their disclosed purchase rates run from 21.49% to 22.49%, and this one at 21.49% is more expensive than 0 of them.

What you cannot learn from the filing

Absent from the captured terms: a foreign transaction fee and penalty pricing. The original document is the place to look for any of these.

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.

The document itself

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

In short

21.49% is an unexceptional purchase rate in this collection, and the rest of the terms follow the same pattern. With no annual fee, the cost of the account is entirely a function of whether a balance is carried.