Signature Card Agreement

Justice Federal Credit Union's filed agreement for Signature Card Agreement discloses a 12-month 0% opening period.

What the document actually states

Signature Card Agreement is one of the agreements Justice Federal Credit Union has on file with the CFPB. It is issued on the Visa network and the filing runs four pages.

The filing is explicit about a late payment maximum and a grace period. It is silent on a purchase rate, a cash advance rate and a balance transfer rate.

Confidence in the parse of this filing is moderate rather than high, so the figures below are best checked against the original.

What the promotional rate is worth

This agreement opens at 0% for 12 months, the only period in the document where carrying a balance is free.

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.

Only the introductory figure parsed cleanly here. Since the rate after the promotion is the one that governs the account for most of its life, this page cannot describe the real cost of the card.

Default pricing

$27 is the disclosed ceiling on a late payment fee, placing it near the 45th percentile of the set.

The fee structure

For cash advances the filing discloses a cash advance fee of $10 or 2% of the advance, whichever is greater.

Transfers are charged $10 or 2% of the amount transferred, whichever is greater, though no distinct transfer APR appears in the document. Transferring $2,000 would cost roughly $40 at the door.

The no-interest path

23 days is the disclosed grace period for purchases — the interval in which paying in full costs nothing. With a corpus median of 25 days, this window is narrower than the norm.

What you cannot learn from the filing

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

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.

The document itself

The original filing, 4 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

Extraction confidence here is not high, so the conclusions above are provisional on the PDF agreeing with them.