DUNS 077145902 VantageMC 03

The DUNS 077145902 VantageMC 03 22 filing from Vantage Credit Union sets out a purchase APR of 10.74%–17.74% and a 28.49% penalty rate. Against the 4,587 filings on this site, that rate lands around the 23rd percentile.

On the face of the filing

This page covers the agreement Vantage Credit Union filed for DUNS 077145902 VantageMC 03 22. 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.

Where the purchase APR sits

This is a tiered agreement: the filing discloses a purchase APR anywhere from 10.74% to 17.74%, 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.

The floor of that band sits at about the 13th percentile of filed purchase rates; the ceiling sits at about the 23rd. In corpus terms the same card can be cheap or expensive depending on how it is priced.

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 a balance actually costs

Carry $4,000 on this card for a year without paying it down and the purchase rate alone generates roughly $776 in interest.

Priced at the median of 21.99%, that balance would generate about $983 in a year — so this agreement comes in around $207 cheaper for the same debt.

That maths assumes a static balance and nothing else — no payments, no additional purchases, no fees folded in.

Default pricing

The agreement discloses penalty pricing of 28.49% — about the 55th percentile of the 794 penalty rates recorded across this index.

A default therefore reprices the debt by 10.75 points: about $271 a year more on $2,000, for as long as the penalty rate stands.

Late payments are capped at $25 under this filing, about the 32nd percentile of late fee maximums in the corpus.

What the card costs before you borrow

The filing sets a 1% foreign transaction fee, which adds roughly $10 to $1,000 spent outside the United States.

How it sits in the issuer's own range

Vantage Credit Union has 19 agreements indexed on this site. Across that lineup purchase rates span 17.49% to 22.74%; this filing's 17.74% sits above 2 of the comparable ones.

What you cannot learn from the filing

This page cannot tell you anything about cash advances, balance transfer terms, an annual fee and a grace period, because the filing's disclosure table as read does not contain them.

It is worth being explicit about scope: these filings record terms and pricing. They say nothing about rewards programmes, cardholder benefits, promotional offers or who the issuer will approve, and this review does not speculate about any of it.

Where the authority sits

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

In short

17.74% is an unexceptional purchase rate in this collection, and the rest of the terms follow the same pattern.