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.
| Penalty APR | 18% |
|---|---|
| Late payment fee | up to $35 |
| Foreign transaction fee | 1% |
| Network | Visa |
Analysis
This Del-One Federal Credit Union filing resists summarising: the standard rate and fee disclosures are not present in readable form. The PDF is the source of record.
Limited disclosure
Only a small number of terms could be extracted from this agreement, which limits what can usefully be said about it.
Known terms amount to a late fee of up to $35, a penalty APR of 18% and a 1% foreign transaction fee, and no more than that.
Rather than fill the space with generic commentary, this page stops here and points at the document. For a filing this opaque, the PDF is the only thing worth reading.
What the filing does not tell you
Absent from the captured terms: a purchase rate, anything about cash advances, balance transfer terms and an annual fee. 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.
Where the authority sits
The filed PDF is linked from this page and runs six 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 Del-One Federal Credit Union filed with the Consumer Financial Protection Bureau. Where the two disagree, the filing is correct and this page is wrong.
Applications are handled by Del-One Federal Credit Union, not by us. We do not take applications and cannot say whether you would be approved.
Other cards from Del-One Federal Credit Union
-
OT 054 Early CC Disclosure
Agreement filed with the CFPB
- Foreign tx fee
- 1%
Where this card sits
Groups this agreement qualifies for, by its own disclosed terms:
Comparable cards from other issuers
Closest disclosed purchase APR among cards in the same groups.