CC Application & Solicitation Agreement 06

The CC Application & Solicitation Agreement 06 2025 filing from Visions Federal Credit Union sets out no annual fee.

What the agreement puts on the record

Visions Federal Credit Union submitted the terms for CC Application & Solicitation Agreement 06 2025 to the CFPB's agreement database; this is what they contain. It is issued on the Visa network and the filing runs four pages.

The disclosure covers 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.

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

The fee structure

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.

No foreign transaction fee is charged, which puts this filing in the roughly 22% of disclosing agreements here that do not take a cut of overseas spending.

What a missed payment costs

$20 is the disclosed ceiling on a late payment fee, placing it near the 17th percentile of the set.

The grace period

Purchases carry a 28-day grace period: pay the statement in full inside it and the purchase rate never applies. Against a corpus median of 25 days, this is a wider window than usual.

The issuer's other agreements

There are 13 filings from Visions Federal Credit Union in this index. Their disclosed purchase rates run from 18% to 18%, though this particular filing does not state one in comparable form.

What the filing does not tell you

Absent from the captured terms: a purchase rate and penalty pricing. The original document is the place to look for any of these.

What this analysis can address is bounded by the filing: rates, fees and the terms around them. Everything a card issuer might advertise — rewards, benefits, bonuses, who qualifies — falls outside the document and outside this review.

Where the authority sits

The filed PDF is linked from this page and runs four pages. It is the authority for every figure summarised above; where this page and the document disagree, the document is right.

In short

All of this rests on figures read from the filing with less than full confidence, which is reason enough to check the document before relying on any of it.