Agreement Standard Credit Card final 1

Agreement Standard Credit Card final 1 30, as filed by PNC Bank, carries no annual fee and a 25.74% penalty rate.

What the document actually states

PNC Bank filed this agreement for Agreement Standard Credit Card final 1 30 with the Consumer Financial Protection Bureau. The filing runs 15 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. A purchase rate, a cash advance rate and a balance transfer rate are not stated.

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

When a payment is late

A penalty APR of 25.74% sits in this filing, applied when the account falls into default as the agreement defines it. Against the 794 filings here that disclose one, that is roughly the 48th percentile.

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

Charges beyond interest

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 $2,000 of overseas spending that is $60, 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 grace period

Anyone clearing the statement balance inside 21 days pays no purchase interest at all under this filing. The typical filing here allows 25 days, so this one is tighter than most.

Where interest applies at all, the filing bills at least $1.50. On a tiny balance that floor can dwarf the rate itself.

Against the rest of PNC Bank's filings

PNC Bank has 20 agreements indexed on this site.

On fees, 12 of the 19 sibling filings that disclose an annual fee also set it at zero — this one is among them.

The limits of this document

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.

An agreement filing is not a marketing document. Rewards, perks, welcome offers and eligibility rules are not in it, are not in this dataset, and are therefore not discussed anywhere on this page.

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

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