Visa Credit Card Account Opening Disclosure 11 90%

The Visa Credit Card Account Opening Disclosure 11 90% filing from Tuscaloosa Credit Union sets out no annual fee.

On the face of the filing

What follows is drawn entirely from Tuscaloosa Credit Union's CFPB filing for Visa Credit Card Account Opening Disclosure 11 90%. The filing runs two pages, and It is issued on the Visa network.

The filing is explicit about an annual fee line, a late payment maximum, a foreign transaction fee and a grace period. It is silent on a purchase rate, a cash advance rate and a balance transfer rate.

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

The fee structure

There is no annual fee. That is the common case in this corpus — about 75% of the filings that disclose an annual fee at all disclose it as $0 — so it is a baseline expectation rather than a distinguishing feature.

Spending abroad costs an extra 1% — about $10 on $1,000 of purchases, independent of interest.

Grace period and minimum charge

Anyone clearing the statement balance inside 25 days pays no purchase interest at all under this filing. That matches the 25-day median across the corpus almost exactly.

The filing sets the minimum interest charge at zero — small balances are not rounded up to a floor.

What a missed payment costs

Late payments are capped at $10 under this filing, about the 6th percentile of late fee maximums in the corpus.

Inside Tuscaloosa Credit Union's filed lineup

This is one of 6 Tuscaloosa Credit Union agreements collected here.

What the filing does not tell you

The disclosure parsed here does not state a purchase rate and penalty pricing. Those gaps are gaps in what could be read from the filing, and the PDF may well address them in prose the rate table does not capture.

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.

The document itself

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

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