Wellsville

On the record for Wellsville: 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.

What this filing discloses

Wellsville is one of the agreements TD Bank has on file with the CFPB. The filing runs four pages.

The filing is explicit about 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.

Pricing the purchase rate

Ranked against the corpus, this purchase APR — 29.99% — sits at approximately the 74th percentile and sits in the more expensive half.

The arithmetic of revolving

A $2,000 balance left untouched for twelve months accrues about $699 in interest at this purchase rate.

On a median-priced agreement from this index (21.99%) the same $2,000 would run about $492 a year, so this card costs in the region of $207 more annually for the identical balance.

Per statement cycle that is on the order of $49.89 on $2,000, which is the number that actually shows up on a bill.

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

Paying in full

The filing gives 25 days' grace on purchases, meaning a statement balance paid in full within that window attracts no interest. That matches the 25-day median across the corpus almost exactly.

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.

Inside TD Bank's filed lineup

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.

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

What the filing does not tell you

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.

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

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