Member Everyday Visa Credit Card Account Opening Disclosure 9 99%

Member Everyday Visa Credit Card Account Opening Disclosure 9 99%, as filed by Member One Federal Credit Union, carries no annual fee.

What the agreement puts on the record

Member Everyday Visa Credit Card Account Opening Disclosure 9 99% is one of the agreements Member One Federal Credit Union has on file with the CFPB. It is issued on the Visa network and the filing runs two pages.

On the record here: an annual fee line, a late payment maximum, a foreign transaction fee and a grace period. No figure appears for a purchase rate, a cash advance rate and a balance transfer rate.

The disclosure table in this document parsed only moderately cleanly; the numbers are reported as read, with that caveat attached.

What a missed payment costs

Late payments are capped at $25 under this filing, about the 32nd percentile of late fee maximums in the corpus.

Where the fees are

The annual fee is $0. Roughly 75% of filings here that state a fee state zero, so the absence of one is unremarkable in this market.

The filing sets a 1% foreign transaction fee, which adds roughly $50 to $5,000 spent outside the United States.

The no-interest path

Purchases carry a 25-day grace period: pay the statement in full inside it and the purchase rate never applies.

Inside Member One Federal Credit Union's filed lineup

Member One Federal Credit Union has 9 agreements indexed on this site.

What is outside the disclosure

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

More broadly, a CFPB agreement filing is a legal and pricing document. It does not describe rewards, benefits, sign-up offers, eligibility or approval criteria, and nothing of that kind has been inferred on this page. Where a card has features of that sort, they live outside this document entirely.

Where the authority sits

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

In short

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