Disclosed rates and fees
Every figure below was read from this issuer's filed agreement. Anything the filing does not state is left out of this table rather than shown as zero.
| Late payment fee | up to $25 |
|---|---|
| Foreign transaction fee | None |
| Grace period | 25 days |
| Network | Visa |
Analysis
This Vystar Credit Union filing resists summarising: the standard rate and fee disclosures are not present in readable form. The PDF is the source of record.
The short version
Very little of this filing parsed into structured terms — only a handful of fields could be read with any confidence.
What did come through: a late fee of up to $25, a 25-day grace period and no foreign transaction fee. That is the whole of it.
There is no honest way to extend this analysis without inventing figures, so it ends here. The agreement Vystar Credit Union filed is linked above and is the place to go.
What you cannot learn from the filing
The disclosure parsed here does not state a purchase rate, anything about cash advances, balance transfer terms and an annual fee. Those gaps are gaps in what could be read from the filing, and the PDF may well address them in prose the rate table does not capture.
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.
The document itself
The filed PDF is linked from this page and runs three pages. It is the authority for every figure summarised above; where this page and the document disagree, the document is right.
In short
No useful cost comparison is possible from what this document yields. The PDF is the only source worth consulting for these terms.
The source document
This page is a reading of one document: the cardholder agreement Vystar Credit Union filed with the Consumer Financial Protection Bureau. Where the two disagree, the filing is correct and this page is wrong.
Applications are handled by Vystar Credit Union, not by us. We do not take applications and cannot say whether you would be approved.
Other cards from Vystar Credit Union
-
pricing addendum
Agreement filed with the CFPB
- Foreign tx fee
- None
-
pricing addendum
Agreement filed with the CFPB
- Foreign tx fee
- None
-
pricing addendum
Agreement filed with the CFPB
- Foreign tx fee
- None
-
pricing addendum
Agreement filed with the CFPB
- Foreign tx fee
- None
Where this card sits
Groups this agreement qualifies for, by its own disclosed terms:
Comparable cards from other issuers
Closest disclosed purchase APR among cards in the same groups.