Pdf Mxc104

Rave Financial Credit Union's filed agreement for Pdf Mxc104 596 discloses no annual fee.

The disclosed terms

What follows is drawn entirely from Rave Financial Credit Union's CFPB filing for Pdf Mxc104 596. It is issued on the Visa network and the filing runs two pages.

On the record here: 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.

Charges beyond interest

There is no annual fee. That is the common case in this corpus — about 75% of the filings that disclose an annual fee at all disclose it as $0 — so it is a baseline expectation rather than a distinguishing feature.

For cash advances the filing discloses a cash advance fee of 1%.

A balance transfer costs $5 or 1% of the amount transferred, whichever is greater up front. The filing does not separately state the rate applied to transferred balances. Transferring $2,000 would cost roughly $20 at the door.

Spending abroad costs an extra 1% — about $20 on $2,000 of purchases, independent of interest.

Penalty pricing and late fees

$25 is the disclosed ceiling on a late payment fee, placing it near the 32nd percentile of the set.

The no-interest path

Purchases carry a 25-day grace period: pay the statement in full inside it and the purchase rate never applies. That matches the 25-day median across the corpus almost exactly.

Inside Rave Financial Credit Union's filed lineup

Rave Financial Credit Union has 5 agreements indexed on this site.

What is outside the disclosure

The disclosure parsed here does not state a purchase rate and penalty pricing. 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.

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.

Go to the source

This summary stands or falls on the linked PDF — two pages. Agreements are amended over time, and the filing reflects the terms as submitted rather than as they stand today.

In short

Extraction confidence here is not high, so the conclusions above are provisional on the PDF agreeing with them.