It's Fashion Credit Card Agm

It's Fashion Credit Card Agm 0424, as filed by Cedar Hill National Bank, carries a 22.9% purchase APR and no annual fee. Against the 4,587 filings on this site, that rate lands around the 53rd percentile.

What the document actually states

Cedar Hill National Bank submitted the terms for It's Fashion Credit Card Agm 0424 to the CFPB's agreement database; this is what they contain. The filing runs four 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.

The purchase APR against the corpus

Set beside the rest of the index, the purchase APR of 22.9% lands at the 53rd percentile; it is unremarkable against the rest of the set.

The arithmetic of revolving

A $3,000 balance left untouched for twelve months accrues about $772 in interest at this purchase rate.

Against the corpus median of 21.99%, that is approximately $34 a year of extra interest on the same $3,000.

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

Grace period and minimum charge

Purchases carry a 28-day grace period: pay the statement in full inside it and the purchase rate never applies. The median across this index is 25 days, so this filing is more generous than most.

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

What a missed payment costs

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

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.

How it sits in the issuer's own range

There are 55 filings from Cedar Hill National Bank in this index. Every one of the others that discloses a purchase rate discloses the same 22.9%, so the issuer's filings are near-identical on pricing and the differences between its cards lie outside the rate table.

The limits of this document

Absent from the captured terms: anything about cash advances, balance transfer terms, a foreign transaction fee and penalty pricing. The original document is the place to look for any of these.

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.

Reading the agreement yourself

The original filing, 4 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

At 22.9% the purchase rate is close to ordinary for this corpus; nothing in the rate table sets this filing far apart from its peers.