Agreement Secured Credit Card final 1

PNC Bank's filed agreement for Agreement Secured Credit Card final 1 30 discloses a $36 annual fee and a 15.74% penalty rate.

What the document actually states

PNC Bank filed this agreement for Agreement Secured Credit Card final 1 30 with the Consumer Financial Protection Bureau. The filing runs 15 pages.

The disclosure covers a penalty rate, 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.

These figures carry medium extraction confidence — they are reproduced as read from the filing, which remains the authority.

Collateral and the deposit

This is a secured agreement — the credit line is collateralised by a deposit. The disclosure table captured on this page covers pricing only; the mechanics of the deposit live in the body of the document.

The no-interest path

Anyone clearing the statement balance inside 21 days pays no purchase interest at all under this filing. With a corpus median of 25 days, this window is narrower than the norm.

Where interest applies at all, the filing bills at least $1.50. On a tiny balance that floor can dwarf the rate itself.

Default pricing

If the account defaults, the filing permits a rate of 15.74%. Among disclosing agreements here that ranks near the 5th percentile.

On the fee side, a late payment can cost up to $35, which is around the 54th percentile here.

Fees, and what triggers them

$36 a year is the disclosed annual fee, which ranks near the 86th percentile of the fees filed across this corpus.

The filing sets a 3% foreign transaction fee, which adds roughly $60 to $2,000 spent outside the United States.

That is at the high end of this corpus — around the 91st percentile of disclosed foreign transaction fees.

Inside PNC Bank's filed lineup

This is one of 20 PNC Bank agreements collected here.

Among the issuer's other filings that disclose a fee, 13 of 19 come in below this card's $36.

What is outside the disclosure

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

More broadly, a CFPB agreement filing is a legal and pricing document. It does not describe rewards, benefits, sign-up offers, eligibility or approval criteria, and nothing of that kind has been inferred on this page. Where a card has features of that sort, they live outside this document entirely.

Where the authority sits

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

Against that sits the $36 annual fee, which is unavoidable once the account is open. 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.