M 141239 400 Tbom Std Ck

M 141239 400 Tbom Std Ck, as filed by Bank of Missouri, the, carries a 35.9% purchase APR and a $99 annual fee. The purchase rate sits at roughly the 91st percentile of the 4,587 agreements indexed here.

What the agreement puts on the record

Bank of Missouri, the filed this agreement for M 141239 400 Tbom Std Ck with the Consumer Financial Protection Bureau. 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. It is silent on a balance transfer rate and a penalty rate.

The purchase APR against the corpus

Measured against every other filing on the site, 35.9% is about the 91st percentile for purchase APR; it is well above what most issuers disclosed.

The arithmetic of revolving

Put $1,000 on the card and never reduce it, and twelve months of interest at the disclosed purchase rate comes to approximately $432.

On a median-priced agreement from this index (21.99%) the same $1,000 would run about $246 a year, so this card costs in the region of $186 more annually for the identical balance.

Per statement cycle that is on the order of $29.93 on $1,000, which is the number that actually shows up on a bill.

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

What a missed payment costs

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

The fee structure

$99 a year is the disclosed annual fee, which ranks near the 93rd percentile of the fees filed across this corpus.

For scale, $99 is approximately what $276 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 $0 and a cash advance APR of 35.9%. The grace period described below generally does not extend to cash advances, so interest on them usually begins immediately.

Foreign transactions attract 3%. On $1,000 of overseas spending that is $30, charged on top of whatever exchange rate applies.

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

The grace period

25 days is the disclosed grace period for purchases — the interval in which paying in full costs nothing.

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

The issuer's other agreements

There are 120 filings from Bank of Missouri, the in this index. The issuer's own range is 24.9%–36%. At 35.9%, this agreement is dearer than 19 of its siblings.

Its $99 annual fee is higher than 45 of the 79 sibling filings that state one.

What is outside the disclosure

Absent from the captured terms: balance transfer terms 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.

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. The $99 annual fee is charged regardless of use, so it is a cost that applies even to an account that never revolves.