DUNS #07 714 5902 Vantage MC Revision

DUNS #07 714 5902 Vantage MC Revision 013124, as filed by Vantage Credit Union, carries a purchase APR of 15.49%–22.49% and a 33.24% penalty rate. Against the 4,587 filings on this site, that rate lands around the 51st percentile.

What the agreement puts on the record

What follows is drawn entirely from Vantage Credit Union's CFPB filing for DUNS #07 714 5902 Vantage MC Revision 013124. It is issued on the Mastercard network and the filing runs six pages.

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

Pricing the purchase rate

This is a tiered agreement: the filing discloses a purchase APR anywhere from 15.49% to 22.49%, a spread of 7 percentage points. Which end of that band applies is set by the issuer at account opening and the filing does not say how.

Those two numbers occupy very different places in the corpus: roughly the 36th percentile at the bottom and the 51st at the top.

Because the rate is variable, the figure quoted is tied to an index and will drift with it. Nothing here is a fixed commitment.

What the rate means in dollars

Carry $5,000 on this card for a year without paying it down and the purchase rate alone generates roughly $1,261 in interest.

On a median-priced agreement from this index (21.99%) the same $5,000 would run about $1,229 a year, so this card costs in the region of $31 more annually for the identical balance.

Month to month it reads as about $93.26 per cycle on that balance.

These figures are arithmetic on the disclosed rate, not a quote: they assume the balance is never reduced, ignore any payments, and take no account of fees charged separately.

Charges beyond interest

Foreign transactions attract 1%. On $1,000 of overseas spending that is $10, charged on top of whatever exchange rate applies.

Default pricing

A penalty APR of 33.24% sits in this filing, applied when the account falls into default as the agreement defines it. Against the 794 filings here that disclose one, that is roughly the 69th percentile.

A default therefore reprices the debt by 10.75 points: about $355 a year more on $2,500, for as long as the penalty rate stands.

$25 is the disclosed ceiling on a late payment fee, placing it near the 32nd percentile of the set.

Against the rest of Vantage Credit Union's filings

There are 19 filings from Vantage Credit Union in this index. Their disclosed purchase rates run from 17.49% to 22.74%, and this one at 22.49% is more expensive than 12 of them.

The limits of this document

Absent from the captured terms: anything about cash advances, balance transfer terms, an annual fee and a grace period. The original document is the place to look for any of these.

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.

Where the authority sits

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

In short

22.49% is an unexceptional purchase rate in this collection, and the rest of the terms follow the same pattern.