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
This Celtic Bank filing resists summarising: the standard rate and fee disclosures are not present in readable form. The PDF is the source of record.
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 the filing does not tell you
This page cannot tell you anything about cash advances, balance transfer terms, an annual fee and a foreign transaction fee, because the filing's disclosure table as read does not contain them.
More broadly, a CFPB agreement filing is a legal and pricing document. It does not describe rewards, benefits, sign-up offers, eligibility or approval criteria, and nothing of that kind has been inferred on this page. Where a card has features of that sort, they live outside this document entirely.
The document itself
The filed PDF is linked from this page and runs 13 pages. It is the authority for every figure summarised above; where this page and the document disagree, the document is right.
In short
No useful cost comparison is possible from what this document yields. The PDF is the only source worth consulting for 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%
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Concora Credit Account Agreement
Agreement filed with the CFPB
- Purchase APR
- 35.9%
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Concora Credit Account Agreement
Agreement filed with the CFPB
- Purchase APR
- 35.9%
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Concora Credit Account Agreement Rooms To Go
Agreement filed with the CFPB
- Purchase APR
- 35.9%
- Annual fee
- $0