Voice Credit Card Terms and Conditions and Cardholder Agreement

On the record for Voice Credit Card Terms and Conditions and Cardholder Agreement: a purchase APR of 11.99%–25.99%, no annual fee and a 0% opening rate, filed by Huntington National Bank, the. Against the 4,587 filings on this site, that rate lands around the 63rd percentile.

What this filing discloses

What follows is drawn entirely from Huntington National Bank, the's CFPB filing for Voice Credit Card Terms and Conditions and Cardholder Agreement. The filing runs 20 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. No figure appears for a penalty rate and a foreign transaction fee.

One important caveat sits on top of everything else here: the rate table in this filing covers more than one product. Figures shown on this page may belong to a sibling card in the same table rather than to this one, and only the PDF can settle which row applies.

Zero percent, and then what

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.

The go-to rate is 25.99%. Any balance still outstanding when the promotion lapses starts accruing at that figure — about $297 a year on $1,000.

Pricing the purchase rate

Purchases price between 11.99% and 25.99% under this filing. The 14-point gap between the two is material, and nothing in the agreement indicates where a given account would land.

Read against the index, the low end ranks around the 17th percentile and the high end around the 63rd — the band straddles a wide stretch of the market this corpus describes.

This is disclosed as a variable rate. The number above is a snapshot: it tracks an index, so it changes without the agreement being amended.

The rate discussed in this section is the go-to rate — the one that applies once the promotional period described below has ended, not the promotional rate itself.

The cost of carrying a balance

Carry $3,000 on this card for a year without paying it down and the purchase rate alone generates roughly $890 in interest.

On a median-priced agreement from this index (21.99%) the same $3,000 would run about $738 a year, so this card costs in the region of $152 more annually for the identical balance.

Month to month it reads as about $64.75 per cycle on that balance.

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 23.99%. The two halves of that fee cross at about $333: below it the flat $10 applies, above it the percentage does.

The transfer fee is $10 or 3% of the amount transferred, whichever is greater; transferred balances then run at 6.74%. On $2,000 that fee is about $60 before any interest is charged.

Penalty pricing and late fees

Late payments are capped at $40 under this filing, about the 72nd percentile of late fee maximums in the corpus.

Grace period and minimum charge

Purchases carry a 21-day grace period: pay the statement in full inside it and the purchase rate never applies. The typical filing here allows 25 days, so this one is tighter than most.

Where interest applies at all, the filing bills at least $1. On a tiny balance that floor can dwarf the rate itself.

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

Huntington National Bank, the has 38 agreements indexed on this site. Across that lineup purchase rates span 12.24% to 30.74%; this filing's 25.99% sits above 9 of the comparable ones.

33 of the issuer's other 34 disclosing filings are likewise fee-free.

What the filing does not tell you

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

This summary stands or falls on the linked PDF — 20 pages. Agreements are amended over time, and the filing reflects the terms as submitted rather than as they stand today.

In short

At 25.99% the purchase rate is close to ordinary for this corpus; nothing in the rate table sets this filing far apart from its peers. The absence of an annual fee means the rate is the only thing that can make this card expensive. The multi-product table is the larger caveat: these numbers are the table's, not necessarily this card's.