These Pricing Disclosures are part of the Cardholder Agreement.

These Pricing Disclosures are part of the Cardholder Agreement., as filed by Mrv Banks, carries a 35.99% purchase APR and a $75 annual fee. That purchase rate ranks near the 97th percentile across this corpus of 4,587 filings.

On the face of the filing

This page covers the agreement Mrv Banks filed for These Pricing Disclosures are part of the Cardholder Agreement.. The filing runs 15 pages.

The disclosure covers a purchase rate, a cash advance rate, an annual fee line, a late payment maximum and a grace period. It is silent on a balance transfer rate, a penalty rate and a foreign transaction fee.

The purchase rate in context

At 35.99%, the purchase APR falls at roughly the 97th percentile of the 2,280 filings indexed here, which ranks among the most expensive figures in the whole collection.

What the rate means in dollars

Carry $4,000 on this card for a year without paying it down and the purchase rate alone generates roughly $1,732 in interest.

The median purchase rate across the corpus is 21.99%; the same balance there would cost about $983. The gap — roughly $748 a year on $4,000 — is the price of this particular filing over a typical one.

Month to month it reads as about $120.03 per cycle on that balance.

There is also a floor: the filing sets a minimum interest charge of $1, so any cycle that accrues less than that is billed at $1 anyway.

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

Holding the card costs $75 a year before any transaction takes place — about the 90th percentile among agreements in this index that state a fee.

For scale, $75 is approximately what $208 of revolving balance would cost in interest over twelve months at this card's 35.99% rate.

The filing states the fee is waived for the first year, so the $75 is a second-year cost rather than an immediate one.

Taking cash against the card means a cash advance APR of 35.99%. The grace period described below generally does not extend to cash advances, so interest on them usually begins immediately.

Penalty pricing and late fees

Late payments are capped at $41 under this filing, about the 89th percentile of late fee maximums in the corpus.

Paying in full

21 days is the disclosed grace period for purchases — the interval in which paying in full costs nothing. That is shorter than the 25-day corpus median.

A minimum interest charge of $1 applies in any cycle where interest is due, which makes very small revolving balances disproportionately expensive.

Inside Mrv Banks's filed lineup

Mrv Banks has 10 agreements indexed on this site. The issuer's own range is 18%–35.99%. At 35.99%, this agreement is dearer than 6 of its siblings.

Its $75 annual fee is higher than 4 of the 7 sibling filings that state one.

What is outside the disclosure

This page cannot tell you balance transfer terms, a foreign transaction fee and penalty pricing, because the filing's disclosure table as read does not contain them.

An agreement filing is not a marketing document. Rewards, perks, welcome offers and eligibility rules are not in it, are not in this dataset, and are therefore not discussed anywhere on this page.

Reading the agreement yourself

The filed PDF is linked from this page and runs 15 pages. It is the authority for every figure summarised above; where this page and the document disagree, the document is right.

In short

The defining fact about this filing is the purchase rate: at 35.99% it is in the expensive band of this corpus, and that cost only materialises for someone who revolves a balance. Note that the $75 annual fee falls due whether the card is used or not.