Voice Credit Card Terms and Conditions

Huntington National Bank, the's filed agreement for Voice Credit Card Terms and Conditions discloses a purchase APR of 12.24%–26.24%, no annual fee and a 0% opening rate. Against the 4,587 filings on this site, that rate lands around the 63rd percentile.

The disclosed terms

Huntington National Bank, the submitted the terms for Voice Credit Card Terms and Conditions to the CFPB's agreement database; this is what they contain. The filing runs four pages.

On the record here: 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 and a foreign transaction fee.

This document discloses several products inside a single rate table. That means the numbers below are the ones the table contains, not necessarily the ones attached to this particular card — the filing itself is the only way to tell them apart.

What the promotional rate is worth

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

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 26.24% purchase rate. On $2,000 that is in the region of $600 a year once the window closes.

Pricing the purchase rate

Purchases price between 12.24% and 26.24% under this filing. The 14-point gap between the two is material, and nothing in the agreement indicates where a given account would land.

The floor of that band sits at about the 18th percentile of filed purchase rates; the ceiling sits at about the 63rd. In corpus terms the same card can be cheap or expensive depending on how it is priced.

Because the rate is variable, the figure quoted is tied to an index and will drift with it. Nothing here is a fixed commitment.

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

What the rate means in dollars

At the disclosed purchase APR, $1,500 revolving for a full year costs something like $450 in interest.

A card priced at the corpus median of 21.99% would charge roughly $369 on that balance. This one charges about $81 more per year.

Month to month it reads as about $32.69 per cycle on that balance.

Note the $1 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.

The fee structure

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 3% of the advance, whichever is greater and a cash advance APR of 24.24%. The grace period described below generally does not extend to cash advances, so interest on them usually begins immediately.

Balance transfers cost $10 or 3% of the amount transferred, whichever is greater up front and then accrue at 6.74%. Shifting $5,000 across attracts something like $150 in fees on day one.

What a missed payment costs

On the fee side, a late payment can cost up to $40, which is around the 72nd percentile here.

The no-interest path

The filing gives 21 days' grace on purchases, meaning a statement balance paid in full within that window attracts no interest. The typical filing here allows 25 days, so this one is tighter than most.

The $1 minimum interest charge means the effective cost of carrying a very small balance is far higher than the quoted APR implies.

Against the rest of Huntington National Bank, the's filings

This is one of 38 Huntington National Bank, the agreements collected here. Their disclosed purchase rates run from 12.24% to 30.74%, and this one at 26.24% is more expensive than 12 of them.

On fees, 33 of the 34 sibling filings that disclose an annual fee also set it at zero — this one is among them.

What is outside the disclosure

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

What this analysis can address is bounded by the filing: rates, fees and the terms around them. Everything a card issuer might advertise — rewards, benefits, bonuses, who qualifies — falls outside the document and outside this review.

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

At 26.24% the purchase rate is close to ordinary for this corpus; nothing in the rate table sets this filing far apart from its peers. With no annual fee, the cost of the account is entirely a function of whether a balance is carried. The multi-product table is the larger caveat: these numbers are the table's, not necessarily this card's.