Agreements as filed with the CFPB. Not an offer of credit. How we read them
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Renasant Bank - Lawrenceville Branch

Rooms To Go Loan Services Credit Agreement

The filed agreement discloses a purchase APR of 5%. Below: every term the document states, what it leaves out, and how the cost compares with the rest of the database.

Disclosed rates and fees

Every figure below was read from this issuer's filed agreement. Anything the filing does not state is left out of this table rather than shown as zero.

Terms as disclosed in the filed agreement for Rooms To Go Loan Services Credit Agreement
Purchase APR5% (variable)
Grace period21 days

Analysis

Renasant Bank - Lawrenceville Branch's filing for Rooms To Go Loan Services Credit Agreement discloses too little to analyse in detail — this page reports what could be read and points to the original document.

A filing that discloses little

Very little of this filing parsed into structured terms — only a handful of fields could be read with any confidence.

What did come through: a purchase APR of 5% and a 21-day grace period. That is the whole of it.

Padding this page with generalities about Renasant Bank - Lawrenceville Branch or about credit cards at large would not make it more useful. The filed PDF is linked above; for this agreement it is the only reliable source, and it should be read directly.

The limits of this document

This page cannot tell you anything about cash advances, balance transfer terms, an annual fee and a foreign transaction fee, because the filing's disclosure table as read does not contain them.

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.

Reading the agreement yourself

The filed PDF is linked from this page and runs two pages. It is the authority for every figure summarised above; where this page and the document disagree, the document is right.

In short

There is not enough in this filing to characterise the card's cost. Read the linked agreement; this page will not pretend to more than it has.

The source document

This page is a reading of one document: the cardholder agreement Renasant Bank - Lawrenceville Branch filed with the Consumer Financial Protection Bureau. Where the two disagree, the filing is correct and this page is wrong.

Open the filed agreement (PDF)

Applications are handled by Renasant Bank - Lawrenceville Branch, not by us. We do not take applications and cannot say whether you would be approved.

Go to Renasant Bank - Lawrenceville Branch

Other cards from Renasant Bank - Lawrenceville Branch

This is the only agreement from Renasant Bank - Lawrenceville Branch in the database with enough disclosed terms to publish. See the issuer's full filing list.

Where this card sits

Groups this agreement qualifies for, by its own disclosed terms:

Comparable cards from other issuers

Closest disclosed purchase APR among cards in the same groups.