Concora Credit Ashley Advantage Gold Account Agreement

Little could be extracted from Celtic Bank's Concora Credit Ashley Advantage Gold Account Agreement 581 agreement. What follows is a short account of the gaps rather than a full pricing analysis.

What could be read, and what could not

Only a small number of terms could be extracted from this agreement, which limits what can usefully be said about it.

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 the filing does not tell you

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.

It is worth being explicit about scope: these filings record terms and pricing. They say nothing about rewards programmes, cardholder benefits, promotional offers or who the issuer will approve, and this review does not speculate about any of it.

Where the authority sits

The filed PDF is linked from this page and runs 12 pages. It is the authority for every figure summarised above; where this page and the document disagree, the document is right.

In short

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