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.
| Late payment fee | up to $25 |
|---|---|
| Foreign transaction fee | 1% |
| Grace period | 25 days |
| Network | Visa |
Analysis
Little could be extracted from Selco Community Credit Union's Visa Credit Card Account Agreement and Disclosures agreement. What follows is a short account of the gaps rather than a full pricing analysis.
Limited disclosure
Very little of this filing parsed into structured terms — only a handful of fields could be read with any confidence.
The fields that survived extraction are a late fee of up to $25, a 25-day grace period and a 1% foreign transaction fee — nothing further.
Padding this page with generalities about Selco Community Credit Union or about credit cards at large would not make it more useful. The filed PDF is linked above; for this agreement it is the only reliable source, and it should be read directly.
What you cannot learn from the filing
The disclosure parsed here does not state a purchase rate, anything about cash advances, balance transfer terms and an annual fee. Those gaps are gaps in what could be read from the filing, and the PDF may well address them in prose the rate table does not capture.
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 original filing, 6 pages long, is linked on this page and should be read before any figure here is acted on. It is also a snapshot: issuers refile as terms change.
In short
No useful cost comparison is possible from what this document yields. The PDF is the only source worth consulting for these terms.
The source document
This page is a reading of one document: the cardholder agreement Selco Community 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 Selco Community Credit Union, not by us. We do not take applications and cannot say whether you would be approved.
Other cards from Selco Community Credit Union
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SELCO Visa Agreements
Agreement filed with the CFPB
- 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.