Before you read the numbers.
The filing discloses a promotional rate alongside the ongoing rate. The figure shown here is the go-to rate that applies once the promotional period ends, because that is the rate that governs for the life of the account.
Disclosed rates and fees
Every figure below was read from this issuer's filed agreement. Anything the filing does not state is left out of this table rather than shown as zero.
| Purchase APR | 10.24% (variable) |
|---|---|
| Introductory APR | 2.9% for 6 months |
| Balance transfer APR | 10.24% |
| Penalty APR | 21% |
| Annual fee | $0 |
| Late payment fee | up to $25 |
| Grace period | 25 days |
Analysis
TIB, National Association's filed agreement for Card Disclosure 184 discloses a 10.24% purchase APR, no annual fee, a 2.9% introductory rate and a 21% penalty rate. That purchase rate ranks near the 6th percentile across this corpus of 4,587 filings.
What the document actually states
Card Disclosure 184 is one of the agreements TIB, National Association has on file with the CFPB. The filing runs four pages.
Terms captured from the document include a purchase rate, a balance transfer rate, a penalty rate, an annual fee line and a late payment maximum. It is silent on a cash advance rate and a foreign transaction fee.
The introductory rate
The introductory rate is 2.9%, held for six 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, 2.9% sits at about the 73rd percentile.
Once the introductory period ends the rate becomes 10.24%, which turns a lingering $3,000 balance into approximately $323 of annual interest.
How the purchase rate compares
Measured against every other filing on the site, 10.24% is about the 6th percentile for purchase APR; it reads as inexpensive against the rest of the filings.
This is disclosed as a variable rate. The number above is a snapshot: it tracks an index, so it changes without the agreement being amended.
This figure is the post-promotional rate. The introductory pricing is handled separately further down.
Translating the rate into money
A $1,500 balance left untouched for twelve months accrues about $162 in interest at this purchase rate.
A typical filing in this index would charge about $369 on that balance; this one is roughly $207 a year below it.
Month to month it reads as about $12.68 per cycle on that balance.
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.
When a payment is late
If the account defaults, the filing permits a rate of 21%. Among disclosing agreements here that ranks near the 29th percentile.
Measured in money, moving from 10.24% to 21% costs an extra $126 or so annually on $1,000 — a far larger number than any single late fee.
$25 is the disclosed ceiling on a late payment fee, placing it near the 32nd percentile of the set.
The fee structure
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.
The filing discloses a 10.24% balance transfer rate without an accompanying fee figure.
Inside TIB, National Association's filed lineup
This is one of 52 TIB, National Association agreements collected here. Their disclosed purchase rates run from 9.25% to 17.49%, and this one at 10.24% is more expensive than 3 of them.
10 of the issuer's other 45 disclosing filings are likewise fee-free.
What you cannot learn from the filing
Absent from the captured terms: anything about cash advances and a foreign transaction fee. 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.
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 purchase rate of 10.24% is one of the cheaper figures in this index — the central point in the agreement's favour.
The source document
This page is a reading of one document: the cardholder agreement TIB, National Association filed with the Consumer Financial Protection Bureau. Where the two disagree, the filing is correct and this page is wrong.
Applications are handled by TIB, National Association, not by us. We do not take applications and cannot say whether you would be approved.
Other cards from TIB, National Association
-
Card Disclosure
Agreement filed with the CFPB
- Purchase APR
- 10.24%
- Annual fee
- $0
- Intro APR
- 2.9%
-
Card Disclosure
Agreement filed with the CFPB
- Purchase APR
- 10.24%
- Annual fee
- $0
- Intro APR
- 2.9%
-
Card Disclosure
Agreement filed with the CFPB
- Purchase APR
- 10.75%
- Annual fee
- $35
-
Card Disclosure
Agreement filed with the CFPB
- Purchase APR
- 11%
- Annual fee
- $35
Where this card sits
Groups this agreement qualifies for, by its own disclosed terms:
Comparable cards from other issuers
Closest disclosed purchase APR among cards in the same groups.