CHA 202411TV3 4 Total Visa CHA with Pricing

CHA 202411TV3 4 Total Visa CHA with Pricing, as filed by Bank of Missouri, the, carries a 35.99% purchase APR and a $400 annual fee. That purchase rate ranks near the 97th percentile across this corpus of 4,587 filings.

The disclosed terms

Bank of Missouri, the submitted the terms for CHA 202411TV3 4 Total Visa CHA with Pricing to the CFPB's agreement database; this is what they contain. The filing runs 15 pages, and It is issued on the Visa network.

On the record here: a purchase rate, a cash advance rate, an annual fee line and a late payment maximum. No figure appears for a balance transfer rate, a penalty rate and a foreign transaction fee.

How the purchase rate compares

The purchase APR of 35.99% places this agreement around the 97th percentile of the set — it ranks among the most expensive figures in the whole collection.

Translating the rate into money

The purchase rate turns a $3,000 revolving balance into roughly $1,299 of annual interest.

A card priced at the corpus median of 21.99% would charge roughly $738 on that balance. This one charges about $561 more per year.

Small balances do not get a proportionally small bill — the agreement imposes a $1 minimum interest charge in any month where interest applies.

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

The no-interest path

The $1 minimum interest charge means the effective cost of carrying a very small balance is far higher than the quoted APR implies.

The downside terms

The maximum late fee is $41 — roughly the 89th percentile of the late fee ceilings disclosed across this index.

Where the fees are

$400 a year is the disclosed annual fee, which ranks near the 99th percentile of the fees filed across this corpus.

Expressed in the card's own terms, the $400 fee equals about a year's interest on a $1,111 balance at the disclosed 35.99% purchase rate.

Taking cash against the card means a cash advance APR of 35.99%. The grace period described below generally does not extend to cash advances, so interest on them usually begins immediately.

Against the rest of Bank of Missouri, the's filings

120 separate Bank of Missouri, the filings appear in the corpus. Their disclosed purchase rates run from 24.9% to 36%, and this one at 35.99% is more expensive than 99 of them.

What the filing does not tell you

Absent from the captured terms: balance transfer terms, a foreign transaction fee, a grace period 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.

The document itself

The original filing, 15 pages long, is linked on this page and should be read before any figure here is acted on. It is also a snapshot: issuers refile as terms change.

In short

35.99% on purchases is the number that dominates this agreement. Paid in full each cycle it never applies; carried, it is among the dearer prices in this index. The $400 annual fee is charged regardless of use, so it is a cost that applies even to an account that never revolves.