Voice Credit Card Terms and Conditions

Voice Credit Card Terms and Conditions, as filed by Huntington National Bank, the, carries a purchase APR of 12.74%–26.74%, no annual fee and a 0% opening rate. That purchase rate ranks near the 64th percentile across this corpus of 4,587 filings.

The disclosed terms

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.

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

The filing discloses a 0% introductory rate, though it does not state how long the promotional period runs.

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.

Behind the promotion sits a 26.74% purchase rate. On $2,500 that is in the region of $766 a year once the window closes.

Where the purchase APR sits

Rather than a single purchase rate, the document gives a band — 12.74% at the bottom, 26.74% 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 21st percentile and the high end around the 64th — the band straddles a wide stretch of the market this corpus describes.

The agreement labels the purchase rate variable, so the quoted figure reflects the index at the time of filing rather than a locked-in price.

The rate discussed in this section is the go-to rate — the one that applies once the promotional period described below has ended, not the promotional rate itself.

What a balance actually costs

A $2,500 balance left untouched for twelve months accrues about $766 in interest at this purchase rate.

On a median-priced agreement from this index (21.99%) the same $2,500 would run about $615 a year, so this card costs in the region of $151 more annually for the identical balance.

Per statement cycle that is on the order of $55.53 on $2,500, which is the number that actually shows up on a bill.

Treat this as an illustration of what the disclosed rate does, not as a projection of a real account, which would be shaped by payments and by the fees described elsewhere in the filing.

When a payment is late

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

Charges beyond interest

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 24.74%. 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 $1,000 that fee is about $30 before any interest is charged.

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. That is shorter than the 25-day corpus median.

The $1 minimum interest charge means the effective cost of carrying a very small balance is far higher than the quoted APR implies.

Against the rest of Huntington National Bank, the's filings

Huntington National Bank, the has 38 agreements indexed on this site. Their disclosed purchase rates run from 12.24% to 30.74%, and this one at 26.74% is more expensive than 17 of them.

On fees, 33 of the 34 sibling filings that disclose an annual fee also set it at zero — this one is among them.

What is outside the disclosure

Absent from the captured terms: a foreign transaction fee and penalty pricing. The original document is the place to look for any of these.

What this analysis can address is bounded by the filing: rates, fees and the terms around them. Everything a card issuer might advertise — rewards, benefits, bonuses, who qualifies — falls outside the document and outside this review.

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 — 26.74% on purchases is near enough to typical. The multi-product table is the larger caveat: these numbers are the table's, not necessarily this card's.