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

VISA Platinum October

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 VISA Platinum October
Balance transfer APR13.49%
Cash advance APR13.49%
Annual fee$0
Late payment feeup to $20
Grace period25 days
NetworkVisa

Analysis

Greenville Federal Credit Union's filed agreement for VISA Platinum October 2025 discloses no annual fee.

On the face of the filing

This page covers the agreement Greenville Federal Credit Union filed for VISA Platinum October 2025. It is issued on the Visa network and the filing runs four pages.

The disclosure covers a cash advance rate, a balance transfer rate, an annual fee line, a late payment maximum and a grace period. No figure appears for a purchase rate, a penalty rate and a foreign transaction fee.

These figures carry medium extraction confidence — they are reproduced as read from the filing, which remains the authority.

Paying in full

25 days is the disclosed grace period for purchases — the interval in which paying in full costs nothing. That matches the 25-day median across the corpus almost exactly.

Default pricing

$20 is the disclosed ceiling on a late payment fee, placing it near the 17th percentile of the set.

Fees, and what triggers them

The annual fee is $0. Roughly 75% of filings here that state a fee state zero, so the absence of one is unremarkable in this market.

Taking cash against the card means a cash advance APR of 13.49%.

The filing discloses a 13.49% balance transfer rate without an accompanying fee figure.

The issuer's other agreements

This is one of 4 Greenville Federal Credit Union agreements collected here.

2 of the issuer's other 3 disclosing filings are likewise fee-free.

What you cannot learn from the filing

The disclosure parsed here does not state a purchase rate, a foreign transaction fee and penalty pricing. 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.

It is worth being explicit about scope: these filings record terms and pricing. They say nothing about rewards programmes, cardholder benefits, promotional offers or who the issuer will approve, and this review does not speculate about any of it.

Reading the agreement yourself

The original filing, 4 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

All of this rests on figures read from the filing with less than full confidence, which is reason enough to check the document before relying on any of it.

The source document

This page is a reading of one document: the cardholder agreement Greenville Federal 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 Greenville Federal Credit Union, not by us. We do not take applications and cannot say whether you would be approved.

Go to Greenville Federal Credit Union

Other cards from Greenville Federal Credit Union

All 4 agreements from Greenville Federal Credit Union

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.