Concora Credit Account Agreement Rooms To Go

Celtic Bank's filed agreement for Concora Credit Account Agreement Rooms To Go discloses a 35.9% purchase APR and no annual fee. The purchase rate sits at roughly the 91st percentile of the 4,587 agreements indexed here.

On the face of the filing

This page covers the agreement Celtic Bank filed for Concora Credit Account Agreement Rooms To Go. The filing runs 13 pages.

The disclosure covers a purchase rate, an annual fee line and a late payment maximum. No figure appears for a cash advance rate, a balance transfer rate and a penalty rate.

These figures carry medium extraction confidence — they are reproduced as read from the filing, which remains the authority.

Where the purchase APR sits

Ranked against the corpus, this purchase APR — 35.9% — sits at approximately the 91st percentile and lands high in the distribution.

What a balance actually costs

The purchase rate turns a $3,000 revolving balance into roughly $1,295 of annual interest.

Against the corpus median of 21.99%, that is approximately $557 a year of extra interest on the same $3,000.

Per statement cycle that is on the order of $89.79 on $3,000, which is the number that actually shows up on a bill.

Treat this as an illustration of what the disclosed rate does, not as a projection of a real account, which would be shaped by payments and by the fees described elsewhere in the filing.

What the card costs before you borrow

There is no annual fee. That is the common case in this corpus — about 75% of the filings that disclose an annual fee at all disclose it as $0 — so it is a baseline expectation rather than a distinguishing feature.

What a missed payment costs

The maximum late fee is $41 — roughly the 89th percentile of the late fee ceilings disclosed across this index.

The limits of this document

This page cannot tell you anything about cash advances, balance transfer terms, a foreign transaction fee and a grace period, because the filing's disclosure table as read does not contain them.

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.

Against the rest of Celtic Bank's filings

This is one of 92 Celtic Bank agreements collected here. Across that lineup purchase rates span 22.49% to 35.9%; this filing's 35.9% sits above 25 of the comparable ones.

On fees, 3 of the 11 sibling filings that disclose an annual fee also set it at zero — this one is among them.

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

The defining fact about this filing is the purchase rate: at 35.9% it is in the expensive band of this corpus, and that cost only materialises for someone who revolves a balance. Because there is no annual fee, everything depends on the revolving behaviour: used as a payment instrument and cleared monthly, this agreement costs nothing. Given the parsing confidence on this filing, read the agreement itself before treating any of these figures as settled.