41N3255 Platinum Rewards Credit Card Account Disclosures 2023 Promo

41N3255 Platinum Rewards Credit Card Account Disclosures 2023 Promo, as filed by Red Canoe Credit Union, carries no annual fee, a 4.9% introductory rate and a 20.9% penalty rate.

What this filing discloses

Red Canoe Credit Union filed this agreement for 41N3255 Platinum Rewards Credit Card Account Disclosures 2023 Promo with the Consumer Financial Protection Bureau. The filing runs one page, and It is issued on the Visa network.

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

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

What the promotional rate is worth

The introductory rate is 4.9%, held for six months. It is a discount rather than a holiday — interest still accrues, just more slowly than the go-to rate.

Among the 763 filings here that disclose an introductory rate, 4.9% sits at about the 86th 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.

Where the fees are

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.

Penalty pricing and late fees

The agreement discloses penalty pricing of 20.9% — about the 27th percentile of the 794 penalty rates recorded across this index.

$25 is the disclosed ceiling on a late payment fee, placing it near the 32nd percentile of the set.

The issuer's other agreements

5 separate Red Canoe Credit Union filings appear in the corpus.

The limits of this document

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.

It is worth being explicit about scope: these filings record terms and pricing. They say nothing about rewards programmes, cardholder benefits, promotional offers or who the issuer will approve, and this review does not speculate about any of it.

Go to the source

The filed PDF is linked from this page and runs one page. 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.