Voice Credit Card Terms and Conditions

Voice Credit Card Terms and Conditions, as filed by Huntington National Bank, the, carries a purchase APR of 11.99%–25.99%, no annual fee and a 0% opening rate. Against the 4,587 filings on this site, that rate lands around the 63rd percentile.

What the agreement puts on the record

Voice Credit Card Terms and Conditions is one of the agreements Huntington National Bank, the has on file with the CFPB. The filing runs 20 pages.

On the record here: a purchase rate, a cash advance rate, a balance transfer rate, an annual fee line and a late payment maximum. It is silent on a penalty rate and a foreign transaction fee.

This document discloses several products inside a single rate table. That means the numbers below are the ones the table contains, not necessarily the ones attached to this particular card — the filing itself is the only way to tell them apart.

What the promotional rate is worth

A 0% promotional rate appears in the document without an accompanying term — the length of the window is not captured.

Zero-percent openings appear in roughly 458 of the filings on this site, which puts this agreement in a sizeable minority rather than a class of its own.

What matters more than the promotion is the rate waiting behind it: 25.99%. A $3,000 balance that survives the promotional window costs roughly $890 a year from that point on.

Pricing the purchase rate

Rather than a single purchase rate, the document gives a band — 11.99% at the bottom, 25.99% at the top, 14 points wide. The agreement discloses the range without disclosing how an account is placed within it.

Read against the index, the low end ranks around the 17th percentile and the high end around the 63rd — the band straddles a wide stretch of the market this corpus describes.

This is disclosed as a variable rate. The number above is a snapshot: it tracks an index, so it changes without the agreement being amended.

To be precise about which number this is: the filing identifies it as the rate that takes over after the introductory period, not the introductory rate.

The arithmetic of revolving

The purchase rate turns a $3,000 revolving balance into roughly $890 of annual interest.

The median purchase rate across the corpus is 21.99%; the same balance there would cost about $738. The gap — roughly $152 a year on $3,000 — is the price of this particular filing over a typical one.

Broken down to a single thirty-day cycle, the same balance accrues roughly $64.75.

Small balances do not get a proportionally small bill — the agreement imposes a $1 minimum interest charge in any month where interest applies.

That maths assumes a static balance and nothing else — no payments, no additional purchases, no fees folded in.

Where the fees are

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.

Cash advances carry a cash advance fee of $10 or 3% of the advance, whichever is greater and a cash advance APR of 23.99%. Advances under roughly $333 are charged the flat $10; larger ones are charged 3%. Cash advances also tend to fall outside any grace period, which means interest typically starts on day one rather than at the end of a billing cycle.

Moving a balance onto this card carries an up-front charge of $10 or 3% of the amount transferred, whichever is greater, with the transferred balance priced at 6.74%. On $7,500 that fee is about $225 before any interest is charged.

Paying in full

The filing gives 21 days' grace on purchases, meaning a statement balance paid in full within that window attracts no interest. The typical filing here allows 25 days, so this one is tighter than most.

Where interest applies at all, the filing bills at least $1. On a tiny balance that floor can dwarf the rate itself.

Default pricing

The maximum late fee is $40 — roughly the 72nd percentile of the late fee ceilings disclosed across this index.

The issuer's other agreements

There are 38 filings from Huntington National Bank, the in this index. The issuer's own range is 12.24%–30.74%. At 25.99%, this agreement is dearer than 9 of its siblings.

What you cannot learn from the filing

This page cannot tell you a foreign transaction fee and penalty pricing, because the filing's disclosure table as read does not contain them.

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.

The document itself

The filed PDF is linked from this page and runs 20 pages. It is the authority for every figure summarised above; where this page and the document disagree, the document is right.

In short

The pricing here is middling by the standards of the index — 25.99% on purchases is near enough to typical. And because the filing covers several products in one table, even the figures that are right may belong to a different card.