ScotiaLine Unsecured

ScotiaLine Unsecured, as filed by Oriental Bank - Hato Rey - Pinero Branch, carries no annual fee and a 1.99% introductory rate.

What the document actually states

This page covers the agreement Oriental Bank - Hato Rey - Pinero Branch filed for ScotiaLine Unsecured. The filing runs six pages.

Terms captured from the document include an annual fee line, a late payment maximum, a foreign transaction fee and a grace period. A purchase rate, a cash advance rate and a balance transfer rate are not stated.

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

The row carrying the purchase rate is unlabelled in the original document; it is reported here as the most likely purchase figure rather than a certain one.

The promotional period

An introductory rate of 1.99% appears without a disclosed duration.

Among the 763 filings here that disclose an introductory rate, 1.99% sits at about the 66th percentile.

The filing captures the promotional rate but not the rate that replaces it. That is the more important of the two numbers, and it is not on this page — the agreement itself has to be read for it.

Penalty pricing and late fees

On the fee side, a late payment can cost up to $30, which is around the 49th percentile here.

What the card costs before you borrow

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.

Transfers are charged a flat $0, though no distinct transfer APR appears in the document.

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

Grace period and minimum charge

25 days is the disclosed grace period for purchases — the interval in which paying in full costs nothing.

How it sits in the issuer's own range

This is one of 10 Oriental Bank - Hato Rey - Pinero Branch agreements collected here. Their disclosed purchase rates run from 6% to 6%, though this particular filing does not state one in comparable form.

The limits of this document

This page cannot tell you a purchase rate, anything about cash advances and penalty pricing, because the filing's disclosure table as read does not contain them.

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

In short

Given the parsing confidence on this filing, read the agreement itself before treating any of these figures as settled.