Member Everyday Visa Credit Card Account Opening Disclosure 17 99%

The Member Everyday Visa Credit Card Account Opening Disclosure 17 99% filing from Member One Federal Credit Union sets out no annual fee.

What the document actually states

What follows is drawn entirely from Member One Federal Credit Union's CFPB filing for Member Everyday Visa Credit Card Account Opening Disclosure 17 99%. The filing runs two pages, and It is issued on the Visa network.

On the record here: an annual fee line, a late payment maximum, a foreign transaction fee and a grace period. No figure appears for a purchase rate, a cash advance rate and a balance transfer rate.

Parsing confidence here is medium, so treat the figures as indicative of the filing rather than a substitute for it.

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.

Spending abroad costs an extra 1% — about $30 on $3,000 of purchases, independent of interest.

The grace period

Anyone clearing the statement balance inside 25 days pays no purchase interest at all under this filing. That matches the 25-day median across the corpus almost exactly.

When a payment is late

Late payments are capped at $25 under this filing, about the 32nd percentile of late fee maximums in the corpus.

The issuer's other agreements

This is one of 9 Member One Federal Credit Union agreements collected here.

What is outside the disclosure

The disclosure parsed here does not state a purchase rate and penalty pricing. Those gaps are gaps in what could be read from the filing, and the PDF may well address them in prose the rate table does not capture.

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.

Where the authority sits

The original filing, 2 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

All of this rests on figures read from the filing with less than full confidence, which is reason enough to check the document before relying on any of it.