Visa Credit Card Account Opening Disclosure 8 90%

Tuscaloosa Credit Union's filed agreement for Visa Credit Card Account Opening Disclosure 8 90% discloses no annual fee.

What this filing discloses

What follows is drawn entirely from Tuscaloosa Credit Union's CFPB filing for Visa Credit Card Account Opening Disclosure 8 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. 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.

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.

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

When a payment is late

The maximum late fee is $10 — roughly the 6th percentile of the late fee ceilings disclosed across this index.

The no-interest path

Purchases carry a 25-day grace period: pay the statement in full inside it and the purchase rate never applies. 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.

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

Everything here is a reading of the filed agreement, two pages of it, which is linked above and which governs. Terms also change between filings, so the date on the document matters.

In short

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