Application and Solicitation Disclosure Dec 2025 (1)

On the record for Application and Solicitation Disclosure Dec 2025 (1): a $69 annual fee, filed by Metro Credit Union.

On the face of the filing

Metro Credit Union submitted the terms for Application and Solicitation Disclosure Dec 2025 (1) to the CFPB's agreement database; this is what they contain. The filing runs three pages.

The disclosure covers an annual fee line, a late payment maximum, a foreign transaction fee and a grace period. It is silent on 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.

What the card costs before you borrow

The annual fee is $69, charged whether or not the card is used. Against the filings here that disclose a fee, that sits at roughly the 90th percentile.

For cash advances the filing discloses a cash advance fee of $0.

The filing sets a 1% foreign transaction fee, which adds roughly $15 to $1,500 spent outside the United States.

When a payment is late

On the fee side, a late payment can cost up to $10, which is around the 6th percentile here.

Paying in full

Anyone clearing the statement balance inside 25 days pays no purchase interest at all under this filing.

The $0.50 minimum interest charge means the effective cost of carrying a very small balance is far higher than the quoted APR implies.

The issuer's other agreements

Metro Credit Union has 3 agreements indexed on this site.

What is outside the disclosure

Absent from the captured terms: a purchase rate, balance transfer terms 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 — three pages. Agreements are amended over time, and the filing reflects the terms as submitted rather than as they stand today.

In short

The $69 annual fee is charged regardless of use, so it is a cost that applies even to an account that never revolves. 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.