Non L&g TILA Cap87595

On the record for Non L&g Tila Cap87595 0922: a 29.99% purchase APR and no annual fee, filed by TD Bank. 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.

On the record here: a purchase rate, an annual fee line and a grace period. It is silent on 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.

The purchase rate in context

Set beside the rest of the index, the purchase APR of 29.99% lands at the 74th percentile; it runs above the midpoint of the corpus.

What the rate means in dollars

At the disclosed purchase APR, $1,200 revolving for a full year costs something like $419 in interest.

On a median-priced agreement from this index (21.99%) the same $1,200 would run about $295 a year, so this card costs in the region of $124 more annually for the identical balance.

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

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.

The grace period

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.

Against the rest of TD Bank's filings

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

What you cannot learn from the filing

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.

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.

Where the authority sits

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

29.99% is an unexceptional purchase rate in this collection, and the rest of the terms follow the same pattern. Extraction confidence here is not high, so the conclusions above are provisional on the PDF agreeing with them.