SelfSCC accountdisclosure 0925 3 pricing and fees schedule

SelfSCC accountdisclosure 0925 3 pricing and fees schedule, as filed by Sunrise Banks, carries a 28.24% purchase APR and a $25 annual fee. Against the 4,587 filings on this site, that rate lands around the 68th percentile.

What the document actually states

Sunrise Banks submitted the terms for SelfSCC accountdisclosure 0925 3 pricing and fees schedule to the CFPB's agreement database; this is what they contain. It is issued on the Visa network and the filing runs two pages.

The disclosure covers a purchase rate, an annual fee line, a late payment maximum and a grace period. No figure appears for a cash advance rate, a balance transfer rate and a penalty rate.

Pricing the purchase rate

28.24% puts the purchase APR near the 68th percentile across 2,280 agreements, so it runs above the midpoint of the corpus.

Because the rate is variable, the figure quoted is tied to an index and will drift with it. Nothing here is a fixed commitment.

The arithmetic of revolving

The purchase rate turns a $4,000 revolving balance into roughly $1,305 of annual interest.

On a median-priced agreement from this index (21.99%) the same $4,000 would run about $983 a year, so this card costs in the region of $321 more annually for the identical balance.

These figures are arithmetic on the disclosed rate, not a quote: they assume the balance is never reduced, ignore any payments, and take no account of fees charged separately.

Paying in full

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

The filing sets the minimum interest charge at zero — small balances are not rounded up to a floor.

What a missed payment costs

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

The fee structure

$25 a year is the disclosed annual fee, which ranks near the 78th percentile of the fees filed across this corpus.

What the filing does not tell you

Absent from the captured terms: anything about cash advances, balance transfer terms, a foreign transaction fee and penalty pricing. 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 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

28.24% is an unexceptional purchase rate in this collection, and the rest of the terms follow the same pattern. The $25 annual fee is charged regardless of use, so it is a cost that applies even to an account that never revolves.