M 141235 2000 TBOM Std

On the record for M 141235 2000 Tbom Std: a 35.9% purchase APR and a $125 annual fee, filed by Bank of Missouri, the. The purchase rate sits at roughly the 91st percentile of the 4,587 agreements indexed here.

What the document actually states

What follows is drawn entirely from Bank of Missouri, the's CFPB filing for M 141235 2000 Tbom Std. The filing runs 13 pages.

On the record here: 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.

Pricing the purchase rate

35.9% puts the purchase APR near the 91st percentile across 2,280 agreements, so it is costlier than the large majority of filings here.

The arithmetic of revolving

At the disclosed purchase APR, $1,500 revolving for a full year costs something like $647 in interest.

On a median-priced agreement from this index (21.99%) the same $1,500 would run about $369 a year, so this card costs in the region of $279 more annually for the identical balance.

Broken down to a single thirty-day cycle, the same balance accrues roughly $44.90.

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.

Fees, and what triggers them

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

For scale, $125 is approximately what $348 of revolving balance would cost in interest over twelve months at this card's 35.9% rate.

Cash advances carry a cash advance fee of $10 or 3% of the advance, whichever is greater and a cash advance APR of 35.9%.

Spending abroad costs an extra 3% — about $150 on $5,000 of purchases, independent of interest.

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

The no-interest path

Anyone clearing the statement balance inside 25 days pays no purchase interest at all under this filing. That matches the 25-day median across the corpus almost exactly.

The filing sets the minimum interest charge at zero — small balances are not rounded up to a floor.

When a payment is late

$41 is the disclosed ceiling on a late payment fee, placing it near the 89th percentile of the set.

How it sits in the issuer's own range

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.

Among the issuer's other filings that disclose a fee, 50 of 79 come in below this card's $125.

What you cannot learn from the filing

Absent from the captured terms: balance transfer terms 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 — 13 pages. Agreements are amended over time, and the filing reflects the terms as submitted rather than as they stand today.

In short

35.9% 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. Note that the $125 annual fee falls due whether the card is used or not.