Voice Credit Card Colleague Terms and Conditions

On the record for Voice Credit Card Colleague Terms and Conditions: a 14.24% purchase APR, no annual fee and a 12-month 0% opening period, filed by Huntington National Bank, the. That purchase rate ranks near the 12th percentile across this corpus of 4,587 filings.

On the face of the filing

This page covers the agreement Huntington National Bank, the filed for Voice Credit Card Colleague Terms and Conditions. The filing runs four pages.

The filing is explicit about 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.

The promotional period

The filing discloses a 0% introductory rate running 12 months. For that window, balances covered by the promotion accrue no interest at all.

Roughly 458 of the 4,587 filings indexed here disclose a zero-percent introductory rate, so this is a real feature of the document but not a rare one.

Once the introductory period ends the rate becomes 14.24%, which turns a lingering $5,000 balance into approximately $765 of annual interest.

Valued honestly, 12 months at zero on $5,000 avoids about $765 of interest compared with the go-to rate — the whole of what the promotion delivers.

The purchase APR against the corpus

14.24% puts the purchase APR near the 12th percentile across 2,280 agreements, so it reads as inexpensive against the rest of the filings.

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.

Translating the rate into money

The purchase rate turns a $2,500 revolving balance into roughly $383 of annual interest.

A typical filing in this index would charge about $615 on that balance; this one is roughly $232 a year below it.

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.

Charges beyond interest

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 APR of 26.24%. The premium over purchases is 12 percentage points.

The transfer fee is $10 or 3% of the amount transferred, whichever is greater; transferred balances then run at 18.74%. Transferring $1,000 would cost roughly $30 at the door.

The no-interest path

Anyone clearing the statement balance inside 21 days pays no purchase interest at all under this filing. With a corpus median of 25 days, this window is narrower than the norm.

A minimum interest charge of $1 applies in any cycle where interest is due, which makes very small revolving balances disproportionately expensive.

Default pricing

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

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

There are 38 filings from Huntington National Bank, the in this index. Their disclosed purchase rates run from 12.24% to 30.74%, and this one at 14.24% is more expensive than 2 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.

Where the authority sits

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

In short

14.24% places this filing at the inexpensive end of the set, which is the headline here.