Voice Credit Card Terms and Conditions

Huntington National Bank, the's filed agreement for Voice Credit Card Terms and Conditions discloses a purchase APR of 11.99%–25.99%, no annual fee and a 0% opening rate. The purchase rate sits at roughly the 63rd percentile of the 4,587 agreements indexed here.

On the face of the filing

Huntington National Bank, the submitted the terms for Voice Credit Card Terms and Conditions to the CFPB's agreement database; this is what they contain. The filing runs 20 pages.

Terms captured from the document include 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.

Zero percent, and then what

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.

The purchase APR against the corpus

The purchase APR is quoted as a range of 11.99% to 25.99%. That 14-point spread is the whole of what the filing commits to; the method for assigning a rate inside it is not in the document.

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.

Because the rate is variable, the figure quoted is tied to an index and will drift with it. Nothing here is a fixed commitment.

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 cost of carrying a balance

The purchase rate turns a $1,000 revolving balance into roughly $297 of annual interest.

On a median-priced agreement from this index (21.99%) the same $1,000 would run about $246 a year, so this card costs in the region of $51 more annually for the identical balance.

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

These figures are arithmetic on the disclosed rate, not a quote: they assume the balance is never reduced, ignore any payments, and take no account of fees charged separately.

Grace period and minimum charge

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.

Penalty pricing and late fees

$40 is the disclosed ceiling on a late payment fee, placing it near the 72nd percentile of the set.

Where the fees are

No annual fee appears in the filing, in line with the roughly 75% of disclosing agreements in this index that charge nothing to hold the card.

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.

The transfer fee is $10 or 3% of the amount transferred, whichever is greater; transferred balances then run at 6.74%. On $3,000 that fee is about $90 before any interest is charged.

Inside Huntington National Bank, the's filed lineup

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

The limits of this document

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

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.

Go to the source

Everything here is a reading of the filed agreement, 20 pages of it, which is linked above and which governs. Terms also change between filings, so the date on the document matters.

In short

The pricing here is middling by the standards of the index — 25.99% on purchases is near enough to typical. Because there is no annual fee, everything depends on the revolving behaviour: used as a payment instrument and cleared monthly, this agreement costs nothing. And because the filing covers several products in one table, even the figures that are right may belong to a different card.