Furniture Mall of Kansas

Furniture Mall of Kansas, as filed by TD Bank, carries a 29.99% purchase APR and no annual fee. That purchase rate ranks near the 74th percentile across this corpus of 4,587 filings.

The disclosed terms

The document behind this page is TD Bank's filed agreement for Furniture Mall of Kansas. The filing runs four pages.

On the record here: a purchase rate, an annual fee line and a grace period. No figure appears for a cash advance rate, a balance transfer rate and a penalty rate.

Confidence in the parse of this filing is moderate rather than high, so the figures below are best checked against the original.

Where the purchase APR sits

The purchase APR of 29.99% places this agreement around the 74th percentile of the set — it comes in above the median.

The cost of carrying a balance

A $1,500 balance left untouched for twelve months accrues about $524 in interest at this purchase rate.

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.

That maths assumes a static balance and nothing else — no payments, no additional purchases, no fees folded in.

Grace period and minimum charge

The filing gives 25 days' grace on purchases, meaning a statement balance paid in full within that window attracts no interest.

Where the fees are

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.

How it sits in the issuer's own range

TD Bank has 39 agreements indexed on this site. Their disclosed purchase rates run from 16.74% to 29.99%, and this one at 29.99% is more expensive than 6 of them.

What the filing does not tell you

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

At 29.99% the purchase rate is close to ordinary for this corpus; nothing in the rate table sets this filing far apart from its peers. Extraction confidence here is not high, so the conclusions above are provisional on the PDF agreeing with them.