Fillable Consumer Credit Card Application with All Disclosures

Fillable Consumer Credit Card Application with All Disclosures 12 1 25, as filed by Jonah Bank of Wyoming, carries a 16.25% purchase APR, a $50 annual fee, a 2.9% introductory rate and a 19.25% penalty rate. The purchase rate sits at roughly the 18th percentile of the 4,587 agreements indexed here.

On the face of the filing

What follows is drawn entirely from Jonah Bank of Wyoming's CFPB filing for Fillable Consumer Credit Card Application with All Disclosures 12 1 25. It is issued on the Visa network and the filing runs nine pages.

Terms captured from the document include a purchase rate, a balance transfer rate, a penalty rate, an annual fee line and a late payment maximum. No figure appears for a cash advance rate.

Introductory pricing

The introductory rate is 2.9%, held for six months. It is a discount rather than a holiday — interest still accrues, just more slowly than the go-to rate.

Among the 763 filings here that disclose an introductory rate, 2.9% sits at about the 73rd percentile.

What matters more than the promotion is the rate waiting behind it: 16.25%. A $2,500 balance that survives the promotional window costs roughly $441 a year from that point on.

The purchase APR against the corpus

Set beside the rest of the index, the purchase APR of 16.25% lands at the 18th percentile; it sits well down in the cheaper fifth of the set.

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

Carry $1,500 on this card for a year without paying it down and the purchase rate alone generates roughly $265 in interest.

A typical filing in this index would charge about $369 on that balance; this one is roughly $104 a year below it.

Broken down to a single thirty-day cycle, the same balance accrues roughly $20.16.

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.

What the card costs before you borrow

The annual fee is $50, charged whether or not the card is used. Against the filings here that disclose a fee, that sits at roughly the 88th percentile.

For scale, $50 is approximately what $308 of revolving balance would cost in interest over twelve months at this card's 16.25% rate.

For cash advances the filing discloses a cash advance fee of $10 or 3% of the advance, whichever is greater.

Balance transfers cost a flat $0 up front and then accrue at 2.9%.

The foreign transaction fee is zero — a minority position in this corpus, where roughly 22% of disclosing filings waive it.

What a missed payment costs

A penalty APR of 19.25% sits in this filing, applied when the account falls into default as the agreement defines it. Against the 794 filings here that disclose one, that is roughly the 25th percentile.

Measured in money, moving from 16.25% to 19.25% costs an extra $72 or so annually on $2,000 — a far larger number than any single late fee.

Late payments are capped at $0 under this filing, about the 2nd percentile of late fee maximums in the corpus.

The grace period

Purchases carry a 25-day grace period: pay the statement in full inside it and the purchase rate never applies. That matches the 25-day median across the corpus almost exactly.

What the filing does not tell you

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

The original filing, 9 pages long, is linked on this page and should be read before any figure here is acted on. It is also a snapshot: issuers refile as terms change.

In short

At 16.25% the purchase rate is low relative to this corpus, which is the clearest thing the filing has going for it on cost. Against that sits the $50 annual fee, which is unavoidable once the account is open.