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.
| Annual fee | $0 |
|---|---|
| Late payment fee | up to $25 |
| Foreign transaction fee | None |
| Cash advance fee | None |
| Balance transfer fee | None |
| Grace period | 25 days |
| Network | Visa |
Analysis
The Annual Percentage Rate (APR) for Visa Platinum filing from Hfs Federal Credit Union sets out no annual fee.
On the face of the filing
This page covers the agreement Hfs Federal Credit Union filed for Annual Percentage Rate (APR) for Visa Platinum. It is issued on the Visa network and the filing runs two pages.
The filing is explicit about an annual fee line, a late payment maximum, a foreign transaction fee and a grace period. A purchase rate, a cash advance rate and a balance transfer rate are not stated.
Parsing confidence here is medium, so treat the figures as indicative of the filing rather than a substitute for it.
What the card costs before you borrow
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.
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.
When a payment is late
On the fee side, a late payment can cost up to $25, which is around the 32nd percentile here.
The grace period
The filing gives 25 days' grace on purchases, meaning a statement balance paid in full within that window attracts no interest. That matches the 25-day median across the corpus almost exactly.
Against the rest of Hfs Federal Credit Union's filings
Hfs Federal Credit Union has 4 agreements indexed on this site.
What you cannot learn from the filing
The disclosure parsed here does not state a purchase rate 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.
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.
Reading the agreement yourself
The filed PDF is linked from this page and runs two pages. It is the authority for every figure summarised above; where this page and the document disagree, the document is right.
In short
Given the parsing confidence on this filing, read the agreement itself before treating any of these figures as settled.
The source document
This page is a reading of one document: the cardholder agreement Hfs 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 Hfs Federal Credit Union, not by us. We do not take applications and cannot say whether you would be approved.
Other cards from Hfs Federal Credit Union
-
Credit Card Agreement and Application and Solicitation
Agreement filed with the CFPB
- Annual fee
- $0
- Foreign tx fee
- None
-
KL Application and Solicitation Disclosure
Agreement filed with the CFPB
- Annual fee
- $0
- Foreign tx fee
- None
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.