Agreement Mlaesec

Little could be extracted from First Premier Bank's Agreement Mlaesec 00 agreement. What follows is a short account of the gaps rather than a full pricing analysis.

Limited disclosure

The disclosure captured from this document is thin: a few fields, and not the ones that usually matter most.

Known terms amount to a purchase APR of 36%, and no more than that.

There is no honest way to extend this analysis without inventing figures, so it ends here. The agreement First Premier Bank filed is linked above and is the place to go.

What the filing does not tell you

This page cannot tell you balance transfer terms, an annual fee, a foreign transaction fee and a grace period, 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.

Go to the source

The original filing, 4 pages long, is linked on this page and should be read before any figure here is acted on. It is also a snapshot: issuers refile as terms change.

In short

There is not enough in this filing to characterise the card's cost. Read the linked agreement; this page will not pretend to more than it has.