Non L&g TILA Cap87595

TD Bank's filed agreement for Non L&g Tila Cap87595 0922 discloses a 29.99% purchase APR and no annual fee. Against the 4,587 filings on this site, that rate lands around the 74th percentile.

What the agreement puts on the record

What follows is drawn entirely from TD Bank's CFPB filing for Non L&g Tila Cap87595 0922. The filing runs four pages.

Terms captured from the document include 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.

Parsing confidence here is medium, so treat the figures as indicative of the filing rather than a substitute for it.

Where the purchase APR sits

At 29.99%, the purchase APR falls at roughly the 74th percentile of the 2,280 filings indexed here, which is dearer than the typical filing.

What the rate means in dollars

Carry $3,000 on this card for a year without paying it down and the purchase rate alone generates roughly $1,049 in interest.

Against the corpus median of 21.99%, that is approximately $311 a year of extra interest on the same $3,000.

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.

Fees, and what triggers them

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.

The grace period

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

Inside TD Bank's filed lineup

This is one of 39 TD Bank agreements collected here. The issuer's own range is 16.74%–29.99%. At 29.99%, this agreement is dearer than 6 of its siblings.

What is outside the disclosure

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.

More broadly, a CFPB agreement filing is a legal and pricing document. It does not describe rewards, benefits, sign-up offers, eligibility or approval criteria, and nothing of that kind has been inferred on this page. Where a card has features of that sort, they live outside this document entirely.

The document itself

The filed PDF is linked from this page and runs four pages. It is the authority for every figure summarised above; where this page and the document disagree, the document is right.

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. Given the parsing confidence on this filing, read the agreement itself before treating any of these figures as settled.