Visa Disclosure and solicitation10123 (2)

Stark Federal Credit Union filed this agreement for Visa Disclosure and solicitation10123 (2).

What the agreement puts on the record

Visa Disclosure and solicitation10123 (2) is one of the agreements Stark Federal Credit Union has on file with the CFPB. The filing runs two pages, and It is issued on the Visa network.

On the record here: 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.

The fee structure

For cash advances the filing discloses a cash advance fee of $5 or 2% of the advance, whichever is greater.

A balance transfer costs a flat $10 up front. The filing does not separately state the rate applied to transferred balances.

The filing sets a 1% foreign transaction fee, which adds roughly $10 to $1,000 spent outside the United States.

When a payment is late

The maximum late fee is $25 — roughly the 32nd percentile of the late fee ceilings disclosed across this index.

Paying in full

Purchases carry a 25-day grace period: pay the statement in full inside it and the purchase rate never applies.

What you cannot learn from the filing

This page cannot tell you a purchase rate, an annual fee and penalty pricing, because the filing's disclosure table as read does not contain them.

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 original filing, 2 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

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