Voice Credit Card Colleague Terms and Conditions

On the record for Voice Credit Card Colleague Terms and Conditions: a 14.49% purchase APR, no annual fee and a 12-month 0% opening period, filed by Huntington National Bank, the. Against the 4,587 filings on this site, that rate lands around the 13th percentile.

On the face of the filing

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

What the promotional rate is worth

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

About 458 agreements in this corpus carry a zero-percent opening rate; this is one of them.

What matters more than the promotion is the rate waiting behind it: 14.49%. A $2,500 balance that survives the promotional window costs roughly $390 a year from that point on.

Put the other way round, the 12-month zero rate is worth roughly $390 on a $2,500 balance relative to paying the go-to rate from day one — a real figure, but one that only materialises for someone who was going to carry that balance anyway.

Pricing the purchase rate

Ranked against the corpus, this purchase APR — 14.49% — sits at approximately the 13th percentile and is comfortably below what most issuers filed.

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.

The cost of carrying a balance

The purchase rate turns a $2,500 revolving balance into roughly $390 of annual interest.

Priced at the median of 21.99%, that balance would generate about $615 in a year — so this agreement comes in around $225 cheaper for the same debt.

Note the $1 minimum interest charge, which overrides the arithmetic above whenever the calculated interest falls below it.

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.

Where the fees are

The annual fee is $0. Roughly 75% of filings here that state a fee state zero, so the absence of one is unremarkable in this market.

For cash advances the filing discloses a cash advance APR of 26.49%. That is 12 points above the purchase rate.

Moving a balance onto this card carries an up-front charge of $10 or 3% of the amount transferred, whichever is greater, with the transferred balance priced at 18.74%. On $5,000 that fee is about $150 before any interest is charged.

Default pricing

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

Paying in full

Purchases carry a 21-day grace period: pay the statement in full inside it and the purchase rate never applies. That is shorter than the 25-day corpus median.

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

How it sits in the issuer's own range

There are 38 filings from Huntington National Bank, the in this index. Across that lineup purchase rates span 12.24% to 30.74%; this filing's 14.49% sits above 3 of the comparable ones.

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

What you cannot learn from the filing

This page cannot tell you a foreign transaction fee and penalty pricing, 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.

The document itself

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

14.49% places this filing at the inexpensive end of the set, which is the headline here. With no annual fee, the cost of the account is entirely a function of whether a balance is carried.