M 141215 750 TBOM Std

M 141215 750 Tbom Std, as filed by Bank of Missouri, the, carries a 35.9% purchase APR and a $125 annual fee. Against the 4,587 filings on this site, that rate lands around the 91st percentile.

What the document actually states

This page covers the agreement Bank of Missouri, the filed for M 141215 750 Tbom Std. The filing runs 13 pages.

The filing is explicit about a purchase rate, a cash advance rate, an annual fee line, a late payment maximum and a foreign transaction fee. No figure appears for a balance transfer rate and a penalty rate.

Where the purchase APR sits

Ranked against the corpus, this purchase APR — 35.9% — sits at approximately the 91st percentile and sits in the expensive end of the corpus.

The cost of carrying a balance

A $4,000 balance left untouched for twelve months accrues about $1,727 in interest at this purchase rate.

On a median-priced agreement from this index (21.99%) the same $4,000 would run about $983 a year, so this card costs in the region of $743 more annually for the identical balance.

Per statement cycle that is on the order of $119.73 on $4,000, which is the number that actually shows up on a bill.

These figures are arithmetic on the disclosed rate, not a quote: they assume the balance is never reduced, ignore any payments, and take no account of fees charged separately.

The fee structure

$125 a year is the disclosed annual fee, which ranks near the 95th percentile of the fees filed across this corpus.

One way to size that fee: at the card's own purchase rate of 35.9%, $125 is roughly the interest a balance of about $348 would generate in a year. The fee is a fixed cost that behaves like perpetual interest on that much debt.

For cash advances the filing discloses a cash advance fee of $10 or 3% of the advance, whichever is greater and a cash advance APR of 35.9%. Advances under roughly $333 are charged the flat $10; larger ones are charged 3%. Cash advances also tend to fall outside any grace period, which means interest typically starts on day one rather than at the end of a billing cycle.

Spending abroad costs an extra 3% — about $60 on $2,000 of purchases, independent of interest.

That is at the high end of this corpus — around the 91st percentile of disclosed foreign transaction fees.

Default pricing

Late payments are capped at $41 under this filing, about the 89th percentile of late fee maximums in the corpus.

Paying in full

The filing gives 25 days' grace on purchases, meaning a statement balance paid in full within that window attracts no interest. That matches the 25-day median across the corpus almost exactly.

No minimum interest charge is imposed, so a cycle that accrues a few cents of interest is billed a few cents.

The limits of this document

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

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.

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

Bank of Missouri, the has 120 agreements indexed on this site. The issuer's own range is 24.9%–36%. At 35.9%, this agreement is dearer than 19 of its siblings.

Its $125 annual fee is higher than 50 of the 79 sibling filings that state one.

The document itself

This summary stands or falls on the linked PDF — 13 pages. Agreements are amended over time, and the filing reflects the terms as submitted rather than as they stand today.

In short

This is an expensive agreement by the standards of the corpus, driven by a 35.9% purchase rate that is inert for a transactor and punishing for a revolver. Against that sits the $125 annual fee, which is unavoidable once the account is open.