Credit Card Agreement

Cedar Hill National Bank's filed agreement for Credit Card Agreement 1119 discloses 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

What follows is drawn entirely from Cedar Hill National Bank's CFPB filing for Credit Card Agreement 1119. The filing runs three pages.

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

How the purchase rate compares

At 22.9%, the purchase APR falls at roughly the 53rd percentile of the 2,280 filings indexed here, which is about typical for the filings collected here.

What a balance actually costs

A $1,000 balance left untouched for twelve months accrues about $257 in interest at this purchase rate.

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 $11 more annually for the identical balance.

Month to month it reads as about $18.99 per cycle on that balance.

Small balances do not get a proportionally small bill — the agreement imposes a $1 minimum interest charge in any month where interest applies.

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

Where the fees are

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.

The no-interest path

28 days is the disclosed grace period for purchases — the interval in which paying in full costs nothing. Against a corpus median of 25 days, this is a wider window than usual.

Where interest applies at all, the filing bills at least $1. On a tiny balance that floor can dwarf the rate itself.

When a payment is late

Late payments are capped at $20 under this filing, about the 17th percentile of late fee maximums in the corpus.

Inside Cedar Hill National Bank's filed lineup

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 the filing does not tell you

The disclosure parsed here does not state anything about cash advances, balance transfer terms, a foreign transaction fee and penalty pricing. 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.

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.

Where the authority sits

The original filing, 3 pages long, is linked on this page and should be read before any figure here is acted on. It is also a snapshot: issuers refile as terms change.

In short

The pricing here is middling by the standards of the index — 22.9% on purchases is near enough to typical. With no annual fee, the cost of the account is entirely a function of whether a balance is carried.