Seen Cardmember Agreement $0 to $75 AMF 35 99 effective

The Seen Cardmember Agreement $0 to $75 AMF 35 99 effective 07 07 25 filing from Coastal Community Bank sets out a 35.99% purchase APR and no annual fee. Against the 4,587 filings on this site, that rate lands around the 97th percentile.

What this filing discloses

Coastal Community Bank submitted the terms for Seen Cardmember Agreement $0 to $75 AMF 35 99 effective 07 07 25 to the CFPB's agreement database; this is what they contain. It is issued on the Mastercard network and the filing runs 19 pages.

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

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

Pricing the purchase rate

Ranked against the corpus, this purchase APR — 35.99% — sits at approximately the 97th percentile and is about as high as anything filed here.

What a balance actually costs

At the disclosed purchase APR, $1,000 revolving for a full year costs something like $433 in interest.

Against the corpus median of 21.99%, that is approximately $187 a year of extra interest on the same $1,000.

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.

The fee structure

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.

Grace period and minimum charge

Anyone clearing the statement balance inside 26 days pays no purchase interest at all under this filing.

How it sits in the issuer's own range

There are 10 filings from Coastal Community Bank in this index. Their disclosed purchase rates run from 0% to 36%, and this one at 35.99% is more expensive than 4 of them.

What you cannot learn from the filing

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

An agreement filing is not a marketing document. Rewards, perks, welcome offers and eligibility rules are not in it, are not in this dataset, and are therefore not discussed anywhere on this page.

Where the authority sits

This summary stands or falls on the linked PDF — 19 pages. Agreements are amended over time, and the filing reflects the terms as submitted rather than as they stand today.

In short

35.99% on purchases is the number that dominates this agreement. Paid in full each cycle it never applies; carried, it is among the dearer prices in this index. The absence of an annual fee means the rate is the only thing that can make this card expensive. Given the parsing confidence on this filing, read the agreement itself before treating any of these figures as settled.