Agreements as filed with the CFPB. Not an offer of credit. How we read them
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Extra Credit Union

MasterCard Application and Solicitation Disclosure

What this agreement does and does not disclose, and why that gap matters when you are comparing what a card costs.

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.

Terms as disclosed in the filed agreement for MasterCard Application and Solicitation Disclosure
Late payment feeup to $25
Foreign transaction fee1%
Grace period25 days
NetworkMastercard

Analysis

This Extra Credit Union filing resists summarising: the standard rate and fee disclosures are not present in readable form. The PDF is the source of record.

A filing that discloses little

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 $25, a 25-day grace period 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

The disclosure parsed here does not state a purchase rate, anything about cash advances, balance transfer terms and an annual fee. Those gaps are gaps in what could be read from the filing, and the PDF may well address them in prose the rate table does not capture.

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

The original filing, 2 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

There is not enough in this filing to characterise the card's cost. Read the linked agreement; this page will not pretend to more than it has.

The source document

This page is a reading of one document: the cardholder agreement Extra Credit Union filed with the Consumer Financial Protection Bureau. Where the two disagree, the filing is correct and this page is wrong.

Open the filed agreement (PDF)

Applications are handled by Extra Credit Union, not by us. We do not take applications and cannot say whether you would be approved.

Go to Extra Credit Union

Other cards from Extra Credit Union

This is the only agreement from Extra Credit Union in the database with enough disclosed terms to publish. See the issuer's full filing list.

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.