Agreement Cash Unlimited Credit Card junepricing R

The Agreement Cash Unlimited Credit Card junepricing R filing from PNC Bank sets out no annual fee and a 11.74% penalty rate.

The disclosed terms

PNC Bank submitted the terms for Agreement Cash Unlimited Credit Card junepricing R to the CFPB's agreement database; this is what they contain. The filing runs seven pages.

On the record here: a penalty rate, 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

The agreement discloses penalty pricing of 11.74% — about the 3rd percentile of the 794 penalty rates recorded across this index.

$8 is the disclosed ceiling on a late payment fee, placing it near the 4th percentile of the set.

Fees, and what triggers them

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.

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

Paying in full

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 $1.50 applies in any cycle where interest is due, which makes very small revolving balances disproportionately expensive.

Against the rest of PNC Bank's filings

There are 7 filings from PNC Bank in this index.

The limits of this document

This page cannot tell you a purchase rate, anything about cash advances and balance transfer terms, because the filing's disclosure table as read does not contain them.

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

Everything here is a reading of the filed agreement, seven 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.