Disclosed rates and fees
Every figure below was read from this issuer's filed agreement. Anything the filing does not state is left out of this table rather than shown as zero.
| Annual fee | $0 |
|---|---|
| Late payment fee | up to $15 |
| Foreign transaction fee | 1% |
| Cash advance fee | $0 |
| Balance transfer fee | $0 |
| Network | Visa |
Analysis
On the record for 248 Visa Credit Card Agreement with Pledge 012325: no annual fee, filed by Redwood Credit Union.
What this filing discloses
Redwood Credit Union submitted the terms for 248 Visa Credit Card Agreement with Pledge 012325 to the CFPB's agreement database; this is what they contain. It is issued on the Visa network and the filing runs 13 pages.
Terms captured from the document include an annual fee line, a late payment maximum and a foreign transaction fee. No figure appears for 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.
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.
For cash advances the filing discloses a cash advance fee of $0.
Transfers are charged a flat $0, though no distinct transfer APR appears in the document.
Foreign transactions attract 1%. On $1,500 of overseas spending that is $15, charged on top of whatever exchange rate applies.
What a missed payment costs
On the fee side, a late payment can cost up to $15, which is around the 11th percentile here.
Against the rest of Redwood Credit Union's filings
This is one of 9 Redwood Credit Union agreements collected here.
What the filing does not tell you
This page cannot tell you a purchase rate, a grace period and penalty pricing, because the filing's disclosure table as read does not contain them.
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
This summary stands or falls on the linked PDF — 13 pages. Agreements are amended over time, and the filing reflects the terms as submitted rather than as they stand today.
In short
Given the parsing confidence on this filing, read the agreement itself before treating any of these figures as settled.
The source document
This page is a reading of one document: the cardholder agreement Redwood Credit Union filed with the Consumer Financial Protection Bureau. Where the two disagree, the filing is correct and this page is wrong.
Applications are handled by Redwood Credit Union, not by us. We do not take applications and cannot say whether you would be approved.
Other cards from Redwood Credit Union
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Visa Credit Card Agreement
Agreement filed with the CFPB
- Annual fee
- $0
- Foreign tx fee
- 1%
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Visa Credit Card Agreement and Disclosure
Agreement filed with the CFPB
- Annual fee
- $0
-
Visa Credit Card Agreement Signature
Agreement filed with the CFPB
- Annual fee
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- 1%
-
Visa Credit Card Agreement Signature
Agreement filed with the CFPB
- Annual fee
- $0
- Foreign tx fee
- 1%
Where this card sits
Groups this agreement qualifies for, by its own disclosed terms:
Comparable cards from other issuers
Closest disclosed purchase APR among cards in the same groups.