Agreement Standard Credit Card CLEAN version (002)

Agreement Standard Credit Card CLEAN version (002), as filed by PNC Bank, carries no annual fee and a 25.74% penalty rate.

On the face of the filing

This page covers the agreement PNC Bank filed for Agreement Standard Credit Card CLEAN version (002). The filing runs 15 pages.

The filing is explicit about a penalty rate, an annual fee line, a late payment maximum, a foreign transaction fee and a grace period. A purchase rate, a cash advance rate and a balance transfer rate are not stated.

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

The fee structure

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.

Foreign transactions attract 3%. On $1,000 of overseas spending that is $30, 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.

The no-interest path

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.

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

The downside terms

If the account defaults, the filing permits a rate of 25.74%. Among disclosing agreements here that ranks near the 48th percentile.

$38 is the disclosed ceiling on a late payment fee, placing it near the 60th percentile of the set.

Against the rest of PNC Bank's filings

20 separate PNC Bank filings appear in the corpus.

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

What you cannot learn from the filing

The disclosure parsed here does not state a purchase rate, anything about cash advances and balance transfer terms. Those gaps are gaps in what could be read from the filing, and the PDF may well address them in prose the rate table does not capture.

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.

Go to the source

The original filing, 15 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.