Card Disclosure

On the record for Card Disclosure 139: a $35 annual fee and a 9.9% introductory rate, filed by TIB, National Association.

The disclosed terms

What follows is drawn entirely from TIB, National Association's CFPB filing for Card Disclosure 139. The filing runs four pages.

The filing is explicit about a cash advance rate, an annual fee line, a late payment maximum and a grace period. A purchase rate, a balance transfer rate and a penalty rate are not stated.

The disclosure table in this document parsed only moderately cleanly; the numbers are reported as read, with that caveat attached.

What the promotional rate is worth

The introductory rate is 9.9%, held for nine months. It is a discount rather than a holiday — interest still accrues, just more slowly than the go-to rate.

Among the 763 filings here that disclose an introductory rate, 9.9% sits at about the 92nd percentile.

Only the introductory figure parsed cleanly here. Since the rate after the promotion is the one that governs the account for most of its life, this page cannot describe the real cost of the card.

What a missed payment costs

The maximum late fee is $25 — roughly the 32nd percentile of the late fee ceilings disclosed across this index.

Charges beyond interest

$35 a year is the disclosed annual fee, which ranks near the 82nd percentile of the fees filed across this corpus.

A first-year waiver applies according to the document — the $35 begins biting in year two.

Cash advances carry a cash advance APR of 19.9%.

Transfers are charged $10 or 3% of the amount transferred, whichever is greater, though no distinct transfer APR appears in the document. On $1,000 that fee is about $30 before any interest is charged.

The grace period

Purchases carry a 25-day grace period: pay the statement in full inside it and the purchase rate never applies. That matches the 25-day median across the corpus almost exactly.

The issuer's other agreements

There are 52 filings from TIB, National Association in this index. Their disclosed purchase rates run from 9.25% to 17.49%, though this particular filing does not state one in comparable form.

What you cannot learn from the filing

Absent from the captured terms: a purchase rate, 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.

Where the authority sits

The original filing, 4 pages long, is linked on this page and should be read before any figure here is acted on. It is also a snapshot: issuers refile as terms change.

In short

The $35 annual fee is charged regardless of use, so it is a cost that applies even to an account that never revolves. All of this rests on figures read from the filing with less than full confidence, which is reason enough to check the document before relying on any of it.