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.
| Purchase APR | 35.9% |
|---|---|
| Late payment fee | up 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.
Applications are handled by Celtic Bank, not by us. We do not take applications and cannot say whether you would be approved.
Other cards from Celtic Bank
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Concora Credit Account Agreement
Agreement filed with the CFPB
- Purchase APR
- 35.9%
-
Concora Credit Account Agreement
Agreement filed with the CFPB
- Purchase APR
- 35.9%
-
Concora Credit Account Agreement
Agreement filed with the CFPB
- Purchase APR
- 35.9%
-
Concora Credit Account Agreement Raymour & Flanigan
Agreement filed with the CFPB
- Purchase APR
- 35.9%