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

The document behind this page is PNC Bank's filed agreement for Agreement Cash Unlimited Credit Card junepricing R. The filing runs seven pages.

Terms captured from the document include a penalty rate, an annual fee line, a late payment maximum, a foreign transaction fee and a grace period. It is silent on a purchase rate, a cash advance rate and a balance transfer rate.

Parsing confidence here is medium, so treat the figures as indicative of the filing rather than a substitute for it.

Where the fees are

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.

No foreign transaction fee is charged, which puts this filing in the roughly 22% of disclosing agreements here that do not take a cut of overseas spending.

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.

On the fee side, a late payment can cost up to $8, which is around the 4th percentile here.

The no-interest path

Purchases carry a 21-day grace period: pay the statement in full inside it and the purchase rate never applies. That is shorter than the 25-day corpus median.

The $1.50 minimum interest charge means the effective cost of carrying a very small balance is far higher than the quoted APR implies.

Inside PNC Bank's filed lineup

7 separate PNC Bank filings appear in the corpus.

On fees, 5 of the 6 sibling filings that disclose an annual fee also set it at zero — this one is among them.

What the filing does not tell you

Absent from the captured terms: a purchase rate, anything about cash advances and balance transfer terms. 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 original filing, 7 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.