Agreement Standard Credit Card 6

On the record for Agreement Standard Credit Card 6 75: no annual fee and a 11.74% penalty rate, filed by PNC Bank.

What the agreement puts on the record

The document behind this page is PNC Bank's filed agreement for Agreement Standard Credit Card 6 75. The filing runs seven pages.

The disclosure covers 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.

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

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.

Foreign transactions attract 3%. On $1,500 of overseas spending that is $45, charged on top of whatever exchange rate applies.

That is at the high end of this corpus — around the 91st percentile of disclosed foreign transaction fees.

Penalty pricing and late fees

If the account defaults, the filing permits a rate of 11.74%. Among disclosing agreements here that ranks near the 3rd percentile.

On the fee side, a late payment can cost up to $38, which is around the 60th percentile here.

Paying in full

21 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.

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

PNC Bank has 20 agreements indexed on this site.

12 of the issuer's other 19 disclosing filings are likewise fee-free.

What is outside the disclosure

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.

Where the authority sits

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

Given the parsing confidence on this filing, read the agreement itself before treating any of these figures as settled.