M 900989 Business Platinum

M 900989 Business Platinum, as filed by Card Assets, carries no annual fee, a 0% opening rate and a 24.24% penalty rate.

On the face of the filing

The document behind this page is Card Assets's filed agreement for M 900989 Business Platinum. The filing runs two pages, and It is issued on the Visa network.

Terms captured from the document include a penalty rate, an annual fee line, a late payment maximum and a grace period. A purchase rate, a cash advance rate and a balance transfer rate are not stated.

These figures carry medium extraction confidence — they are reproduced as read from the filing, which remains the authority.

Zero percent, and then what

The filing discloses a 0% introductory rate, though it does not state how long the promotional period runs.

Zero-percent openings appear in roughly 458 of the filings on this site, which puts this agreement in a sizeable minority rather than a class of its own.

Crucially, the go-to rate is absent from what could be read out of this filing. A promotional rate without the rate that follows it is only half the pricing, and the PDF is the only source for the other half.

Fees, and what triggers them

No annual fee appears in the filing, in line with the roughly 75% of disclosing agreements in this index that charge nothing to hold the card.

For cash advances the filing discloses a cash advance fee of $10 or 5% of the advance, whichever is greater. $200 is the crossover point where the percentage overtakes the $10 minimum.

Penalty pricing and late fees

If the account defaults, the filing permits a rate of 24.24%. Among disclosing agreements here that ranks near the 46th percentile.

The maximum late fee is $35 — roughly the 54th percentile of the late fee ceilings disclosed across this index.

The no-interest path

Purchases carry a 25-day grace period: pay the statement in full inside it and the purchase rate never applies.

The limits of this document

The disclosure parsed here does not state a purchase rate, balance transfer terms and a foreign transaction 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.

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.

Against the rest of Card Assets's filings

This is one of 32 Card Assets agreements collected here. Their disclosed purchase rates run from 12.24% to 19.99%, though this particular filing does not state one in comparable form.

12 of the issuer's other 20 disclosing filings are likewise fee-free.

Reading the agreement yourself

Everything here is a reading of the filed agreement, two pages of it, which is linked above and which governs. Terms also change between filings, so the date on the document matters.

In short

All of this rests on figures read from the filing with less than full confidence, which is reason enough to check the document before relying on any of it.