Exmark TILA

On the record for Exmark TILA: a 29.99% purchase APR and no annual fee, filed by TD Bank. The purchase rate sits at roughly the 74th percentile of the 4,587 agreements indexed here.

The disclosed terms

TD Bank submitted the terms for Exmark TILA to the CFPB's agreement database; this is what they contain. The filing runs four pages.

On the record here: 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.

The purchase rate in context

29.99% puts the purchase APR near the 74th percentile across 2,280 agreements, so it sits in the more expensive half.

The cost of carrying a balance

The purchase rate turns a $1,500 revolving balance into roughly $524 of annual interest.

A card priced at the corpus median of 21.99% would charge roughly $369 on that balance. This one charges about $156 more per year.

Month to month it reads as about $37.42 per cycle on that balance.

Treat this as an illustration of what the disclosed rate does, not as a projection of a real account, which would be shaped by payments and by the fees described elsewhere in the filing.

Charges beyond interest

There is no annual fee. That is the common case in this corpus — about 75% of the filings that disclose an annual fee at all disclose it as $0 — so it is a baseline expectation rather than a distinguishing feature.

What a missed payment costs

Late payments are capped at $40 under this filing, about the 72nd percentile of late fee maximums in the corpus.

The no-interest path

25 days is the disclosed grace period for purchases — the interval in which paying in full costs nothing. That matches the 25-day median across the corpus almost exactly.

Where interest applies at all, the filing bills at least $1. On a tiny balance that floor can dwarf the rate itself.

How it sits in the issuer's own range

There are 39 filings from TD Bank in this index. Across that lineup purchase rates span 16.74% to 29.99%; this filing's 29.99% sits above 6 of the comparable ones.

On fees, 34 of the 36 sibling filings that disclose an annual fee also set it at zero — this one is among them.

The limits of this document

This page cannot tell you anything about cash advances, balance transfer terms, a foreign transaction fee 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

Everything here is a reading of the filed agreement, four pages of it, which is linked above and which governs. Terms also change between filings, so the date on the document matters.

In short

The pricing here is middling by the standards of the index — 29.99% on purchases is near enough to typical.