Agreements as filed with the CFPB. Not an offer of credit. How we read them
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Celtic Bank

Concora Credit Ashley Advantage Gold Account Agreement

The filed agreement discloses a purchase APR of 35.9%. Below: every term the document states, what it leaves out, and how the cost compares with the rest of the database.

Disclosed rates and fees

Every figure below was read from this issuer's filed agreement. Anything the filing does not state is left out of this table rather than shown as zero.

Terms as disclosed in the filed agreement for Concora Credit Ashley Advantage Gold Account Agreement
Purchase APR35.9%
Late payment feeup to $41

Analysis

Celtic Bank's filing for Concora Credit Ashley Advantage Gold Account Agreement 576 discloses too little to analyse in detail — this page reports what could be read and points to the original document.

What could be read, and what could not

The disclosure captured from this document is thin: a few fields, and not the ones that usually matter most.

What did come through: a purchase APR of 35.9% and a late fee of up to $41. That is the whole of it.

There is no honest way to extend this analysis without inventing figures, so it ends here. The agreement Celtic Bank filed is linked above and is the place to go.

What is outside the disclosure

Absent from the captured terms: anything about cash advances, balance transfer terms, an annual fee and a foreign transaction fee. 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, 13 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

With the disclosure table unreadable, any summary would be guesswork. The filed agreement stands as the only statement of these terms.

The source document

This page is a reading of one document: the cardholder agreement Celtic Bank filed with the Consumer Financial Protection Bureau. Where the two disagree, the filing is correct and this page is wrong.

Open the filed agreement (PDF)

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