Agreement Standard Credit Card final

Agreement Standard Credit Card final, as filed by PNC Bank, carries no annual fee and a 25.74% penalty rate.

What the document actually states

What follows is drawn entirely from PNC Bank's CFPB filing for Agreement Standard Credit Card final. The filing runs 15 pages.

Terms captured from the document include a penalty rate, 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.

Confidence in the parse of this filing is moderate rather than high, so the figures below are best checked against the original.

Charges beyond interest

No annual fee appears in the filing, in line with the roughly 75% of disclosing agreements in this index that charge nothing to hold the card.

Spending abroad costs an extra 3% — about $150 on $5,000 of purchases, independent of interest.

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

Default pricing

If the account defaults, the filing permits a rate of 25.74%. Among disclosing agreements here that ranks near the 48th percentile.

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

The no-interest path

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.

The issuer's other agreements

There are 20 filings from PNC Bank in this index.

On fees, 12 of the 19 sibling filings that disclose an annual fee also set it at zero — this one is among them.

The limits of this document

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

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.

Go to the source

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

Extraction confidence here is not high, so the conclusions above are provisional on the PDF agreeing with them.