Credit Card Agreement

Credit Card Agreement 0424, as filed by Cedar Hill National Bank, carries a 22.9% purchase APR and no annual fee. That purchase rate ranks near the 53rd percentile across this corpus of 4,587 filings.

On the face of the filing

The document behind this page is Cedar Hill National Bank's filed agreement for Credit Card Agreement 0424. The filing runs four pages.

The disclosure covers a purchase rate, an annual fee line, a late payment maximum and a grace period. It is silent on a cash advance rate, a balance transfer rate and a penalty rate.

The purchase rate in context

22.9% puts the purchase APR near the 53rd percentile across 2,280 agreements, so it is about typical for the filings collected here.

What a balance actually costs

Put $5,000 on the card and never reduce it, and twelve months of interest at the disclosed purchase rate comes to approximately $1,286.

On a median-priced agreement from this index (21.99%) the same $5,000 would run about $1,229 a year, so this card costs in the region of $57 more annually for the identical balance.

Month to month it reads as about $94.97 per cycle on that balance.

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

What a missed payment costs

On the fee side, a late payment can cost up to $20, which is around the 17th percentile here.

Charges beyond interest

The annual fee is $0. Roughly 75% of filings here that state a fee state zero, so the absence of one is unremarkable in this market.

Paying in full

The filing gives 28 days' grace on purchases, meaning a statement balance paid in full within that window attracts no interest. The median across this index is 25 days, so this filing is more generous than most.

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

Against the rest of Cedar Hill National Bank's filings

Cedar Hill National Bank has 55 agreements indexed on this site. Pricing across this issuer's filings is uniform at 22.9% — the rate table does not distinguish one of its cards from another.

What is outside the disclosure

This page cannot tell you anything about cash advances, balance transfer terms, a foreign transaction fee and penalty pricing, because the filing's disclosure table as read does not contain them.

More broadly, a CFPB agreement filing is a legal and pricing document. It does not describe rewards, benefits, sign-up offers, eligibility or approval criteria, and nothing of that kind has been inferred on this page. Where a card has features of that sort, they live outside this document entirely.

The document itself

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

In short

The pricing here is middling by the standards of the index — 22.9% on purchases is near enough to typical.