Agreement Cash Unlimited Credit Card 6

The Agreement Cash Unlimited Credit Card 6 75 filing from PNC Bank sets out no annual fee and a 11.74% penalty rate.

The disclosed terms

The document behind this page is PNC Bank's filed agreement for Agreement Cash Unlimited Credit Card 6 75. The filing runs seven pages.

The disclosure covers a penalty rate, an annual fee line, a late payment maximum 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.

What a missed payment costs

If the account defaults, the filing permits a rate of 11.74%. Among disclosing agreements here that ranks near the 3rd percentile.

The maximum late fee is $38 — roughly the 60th percentile of the late fee ceilings disclosed across this index.

Fees, and what triggers them

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.

Grace period and minimum charge

The filing gives 21 days' grace on purchases, meaning a statement balance paid in full within that window attracts no interest. That is shorter than the 25-day corpus median.

A minimum interest charge of $1.50 applies in any cycle where interest is due, which makes very small revolving balances disproportionately expensive.

Inside PNC Bank's filed lineup

PNC Bank has 20 agreements indexed on this site.

What you cannot learn from the filing

Absent from the captured terms: a purchase rate, anything about cash advances, balance transfer terms and a foreign transaction fee. The original document is the place to look for any of these.

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.

Go to the source

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

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.