Pricing Information Sunbit Card

Transportation Alliance Bank, INC. Dba Tab Bank prices Pricing Information Sunbit Card as a margin over the Prime Rate rather than as a fixed APR, so the filing discloses the spread but not the cost. This page explains what that means and sets the other disclosed terms against the corpus.

What this filing discloses

Transportation Alliance Bank, INC. Dba Tab Bank submitted the terms for Pricing Information Sunbit Card to the CFPB's agreement database; this is what they contain. The filing runs two pages.

The disclosure covers an annual fee line, a late payment maximum, a foreign transaction fee and a grace period. A purchase rate, a cash advance rate and a balance transfer rate are not stated.

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

Margins, not APRs

The rate figures in this agreement are expressed as margins over the Prime Rate rather than as absolute APRs. A margin is not a rate: the rate is the margin plus whatever Prime happens to be.

Because the filing prices off an index, the dollar cost of a balance cannot be computed from the document alone. It is the current Prime Rate that completes the sum, and that changes.

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

Fees, and what triggers them

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 foreign transaction fee is zero — a minority position in this corpus, where roughly 22% of disclosing filings waive it.

Grace period and minimum charge

Anyone clearing the statement balance inside 26 days pays no purchase interest at all under this filing.

The downside terms

$0 is the disclosed ceiling on a late payment fee, placing it near the 2nd percentile of the set.

Inside Transportation Alliance Bank, INC. Dba Tab Bank's filed lineup

There are 6 filings from Transportation Alliance Bank, INC. Dba Tab Bank in this index.

What is outside the disclosure

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

An agreement filing is not a marketing document. Rewards, perks, welcome offers and eligibility rules are not in it, are not in this dataset, and are therefore not discussed anywhere on this page.

Go to the source

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

In short

What can be said is how this card is priced, not what it costs. That distinction is the whole of the analysis here, and the agreement is the place to confirm the index it uses.