Card Disclosure

TIB, National Association's filed agreement for Card Disclosure 186 discloses a $35 annual fee.

The disclosed terms

Card Disclosure 186 is one of the agreements TIB, National Association has on file with the CFPB. The filing runs three pages.

On the record here: 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.

Confidence in the parse of this filing is moderate rather than high, so the figures below are best checked against the original.

When a payment is late

The maximum late fee is $15 — roughly the 11th 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.

Cash advances carry a cash advance APR of 12.9%.

The no-interest path

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 TIB, National Association's filings

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.

Its $35 annual fee is higher than 11 of the 45 sibling filings that state one.

The limits of this document

This page cannot tell you a purchase rate, balance transfer terms, a foreign transaction fee and penalty pricing, because the filing's disclosure table as read does not contain them.

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

The filed PDF is linked from this page and runs three pages. It is the authority for every figure summarised above; where this page and the document disagree, the document is right.

In short

Against that sits the $35 annual fee, which is unavoidable once the account is open. 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.