CC Application & Solicitation Agreement 12

The CC Application & Solicitation Agreement 12 2025 filing from Visions Federal Credit Union sets out no annual fee.

On the face of the filing

Visions Federal Credit Union submitted the terms for CC Application & Solicitation Agreement 12 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.

On the record here: 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.

Charges beyond interest

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.

The foreign transaction fee is zero — a minority position in this corpus, where roughly 22% of disclosing filings waive it.

Default pricing

Late payments are capped at $20 under this filing, about the 17th percentile of late fee maximums in the corpus.

Paying in full

Anyone clearing the statement balance inside 28 days pays no purchase interest at all under this filing. Against a corpus median of 25 days, this is a wider window than usual.

Against the rest of Visions Federal Credit Union's filings

Visions Federal Credit Union has 13 agreements indexed on this site. 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.

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.

Reading the agreement yourself

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

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.