Pilgrim Furniture TILA

The Pilgrim Furniture TILA filing from TD Bank sets out a 29.99% purchase APR and no annual fee. The purchase rate sits at roughly the 74th percentile of the 4,587 agreements indexed here.

What the document actually states

What follows is drawn entirely from TD Bank's CFPB filing for Pilgrim Furniture TILA. The filing runs four pages.

The filing is explicit about 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.

These figures carry medium extraction confidence — they are reproduced as read from the filing, which remains the authority.

How the purchase rate compares

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

Translating the rate into money

Carry $1,500 on this card for a year without paying it down and the purchase rate alone generates roughly $524 in interest.

Against the corpus median of 21.99%, that is approximately $156 a year of extra interest on the same $1,500.

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.

Where the fees are

The annual fee is $0. Roughly 75% of filings here that state a fee state zero, so the absence of one is unremarkable in this market.

Grace period and minimum charge

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. The issuer's own range is 16.74%–29.99%. At 29.99%, this agreement is dearer than 6 of its siblings.

What the filing does not tell you

The disclosure parsed here does not state anything about cash advances, balance transfer terms, a foreign transaction fee and penalty pricing. Those gaps are gaps in what could be read from the filing, and the PDF may well address them in prose the rate table does not capture.

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 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

The pricing here is middling by the standards of the index — 29.99% on purchases is near enough to typical. Extraction confidence here is not high, so the conclusions above are provisional on the PDF agreeing with them.