Credit Card Agreement and Opening Disclosure

Champion Credit Union's filed agreement for Credit Card Agreement and Opening Disclosure discloses no annual fee.

On the face of the filing

The document behind this page is Champion Credit Union's filed agreement for Credit Card Agreement and Opening Disclosure. The filing runs seven pages, and It is issued on the Visa network.

On the record here: an annual fee line, a late payment maximum, a foreign transaction fee and a grace period. No figure appears for a purchase rate, a cash advance rate and a balance transfer rate.

Confidence in the parse of this filing is moderate rather than high, so the figures below are best checked against the original.

The fee structure

No annual fee appears in the filing, in line with the roughly 75% of disclosing agreements in this index that charge nothing to hold the card.

Foreign transactions carry no fee. Only about 22% of the filings here that disclose a foreign transaction fee set it at zero, so this is a genuine point of difference.

Default pricing

The maximum late fee is $25 — roughly the 32nd percentile of the late fee ceilings disclosed across this index.

Paying in full

The filing gives 28 days' grace on purchases, meaning a statement balance paid in full within that window attracts no interest. Against a corpus median of 25 days, this is a wider window than usual.

What the filing does not tell you

Absent from the captured terms: a purchase rate, anything about cash advances, balance transfer terms and penalty pricing. The original document is the place to look for any of these.

What this analysis can address is bounded by the filing: rates, fees and the terms around them. Everything a card issuer might advertise — rewards, benefits, bonuses, who qualifies — falls outside the document and outside this review.

The document itself

The original filing, 7 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

Extraction confidence here is not high, so the conclusions above are provisional on the PDF agreeing with them.