cardholder agreement elite cb

cardholder agreement elite cb, as filed by Central Trust Bank, the, carries a 16.49% purchase APR, a $99 annual fee and a 0% opening rate. That purchase rate ranks near the 18th percentile across this corpus of 4,587 filings.

What the agreement puts on the record

This page covers the agreement Central Trust Bank, the filed for cardholder agreement elite cb. The filing runs six pages.

The disclosure covers a purchase rate, a cash advance rate, a balance transfer rate, an annual fee line and a late payment maximum. It is silent on a penalty rate and a foreign transaction fee.

Zero percent, and then what

A 0% promotional rate appears in the document without an accompanying term — the length of the window is not captured.

About 458 agreements in this corpus carry a zero-percent opening rate; this is one of them.

What matters more than the promotion is the rate waiting behind it: 16.49%. A $1,000 balance that survives the promotional window costs roughly $179 a year from that point on.

The purchase rate in context

Set beside the rest of the index, the purchase APR of 16.49% lands at the 18th percentile; it is comfortably below what most issuers filed.

The agreement labels the purchase rate variable, so the quoted figure reflects the index at the time of filing rather than a locked-in price.

To be precise about which number this is: the filing identifies it as the rate that takes over after the introductory period, not the introductory rate.

The arithmetic of revolving

Put $1,500 on the card and never reduce it, and twelve months of interest at the disclosed purchase rate comes to approximately $269.

The corpus median purchase rate is 21.99%, which on the same $1,500 would cost about $369 a year. This filing saves roughly $100 annually against that benchmark.

Per statement cycle that is on the order of $20.46 on $1,500, which is the number that actually shows up on a bill.

There is also a floor: the filing sets a minimum interest charge of $1.50, so any cycle that accrues less than that is billed at $1.50 anyway.

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

Holding the card costs $99 a year before any transaction takes place — about the 93rd percentile among agreements in this index that state a fee.

One way to size that fee: at the card's own purchase rate of 16.49%, $99 is roughly the interest a balance of about $600 would generate in a year. The fee is a fixed cost that behaves like perpetual interest on that much debt.

Cash advances carry a cash advance fee of $10 or 4% of the advance, whichever is greater and a cash advance APR of 29.24%. Cash is therefore 12.75 points dearer than buying something with the card.

Moving a balance onto this card carries an up-front charge of $10 or 4% of the amount transferred, whichever is greater, with the transferred balance priced at 16.49%. Shifting $2,000 across attracts something like $80 in fees on day one.

What a missed payment costs

$0 is the disclosed ceiling on a late payment fee, placing it near the 2nd percentile of the set.

The no-interest path

The filing gives 25 days' grace on purchases, meaning a statement balance paid in full within that window attracts no interest.

A minimum interest charge of $1.50 applies in any cycle where interest is due, which makes very small revolving balances disproportionately expensive.

What is outside the disclosure

Absent from the captured terms: a foreign transaction fee and penalty pricing. The original document is the place to look for any of these.

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.

Inside Central Trust Bank, the's filed lineup

Central Trust Bank, the has 5 agreements indexed on this site. Their disclosed purchase rates run from 16.49% to 22.99%, and this one at 16.49% is more expensive than 0 of them.

Among the issuer's other filings that disclose a fee, 4 of 4 come in below this card's $99.

Go to the source

The original filing, 6 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

The purchase rate of 16.49% is one of the cheaper figures in this index — the central point in the agreement's favour. Against that sits the $99 annual fee, which is unavoidable once the account is open.