Visa Credit Card Account Opening Disclosure 13 90%

On the record for Visa Credit Card Account Opening Disclosure 13 90%: no annual fee, filed by Tuscaloosa Credit Union.

What the document actually states

Tuscaloosa Credit Union submitted the terms for Visa Credit Card Account Opening Disclosure 13 90% to the CFPB's agreement database; this is what they contain. It is issued on the Visa network and the filing runs two pages.

The filing is explicit about an annual fee line, a late payment maximum, a foreign transaction fee and a grace period. No figure appears for a purchase rate, a cash advance rate and a balance transfer rate.

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

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.

Default pricing

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

What the card costs before you borrow

The annual fee is $0. Roughly 75% of filings here that state a fee state zero, so the absence of one is unremarkable in this market.

The filing sets a 1% foreign transaction fee, which adds roughly $15 to $1,500 spent outside the United States.

Against the rest of Tuscaloosa Credit Union's filings

6 separate Tuscaloosa Credit Union filings appear in the corpus.

The limits of this document

Absent from the captured terms: a purchase rate 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.

Reading the agreement yourself

This summary stands or falls on the linked PDF — two pages. Agreements are amended over time, and the filing reflects the terms as submitted rather than as they stand today.

In short

Extraction confidence here is not high, so the conclusions above are provisional on the PDF agreeing with them.