Super com Secured Charge Card Pricing Addendum

Republic Bank & Trust's filed agreement for Super com Secured Charge Card Pricing Addendum discloses a 0% purchase APR. Against the 4,587 filings on this site, that rate lands around the 1st percentile.

What the agreement puts on the record

The document behind this page is Republic Bank & Trust's filed agreement for Super com Secured Charge Card Pricing Addendum. The filing runs one page.

The filing is explicit about a purchase rate, a late payment maximum and a foreign transaction fee. It is silent on a cash advance rate, a balance transfer rate and a penalty rate.

Parsing confidence here is medium, so treat the figures as indicative of the filing rather than a substitute for it.

What "secured" changes

This is a secured agreement — the credit line is collateralised by a deposit. The disclosure table captured on this page covers pricing only; the mechanics of the deposit live in the body of the document.

Securing the line has not placed this agreement at the bottom of the market — 0% ranks near the 1st percentile across every filing indexed here.

Pricing the purchase rate

0% puts the purchase APR near the 1st percentile across 2,280 agreements, so it sits in the bottom few percent of everything filed.

The cost of carrying a balance

Put $5,000 on the card and never reduce it, and twelve months of interest at the disclosed purchase rate comes to approximately $0.

Measured against the 21.99% corpus median, the same $5,000 costs approximately $1,229 less per year here.

Broken down to a single thirty-day cycle, the same balance accrues roughly $0.

Treat this as an illustration of what the disclosed rate does, not as a projection of a real account, which would be shaped by payments and by the fees described elsewhere in the filing.

Grace period and minimum charge

The filing sets the minimum interest charge at zero — small balances are not rounded up to a floor.

Default pricing

$0 is the disclosed ceiling on a late payment fee, placing it near the 2nd percentile of the set.

Where the fees are

The foreign transaction fee is zero — a minority position in this corpus, where roughly 22% of disclosing filings waive it.

What is outside the disclosure

Absent from the captured terms: anything about cash advances, balance transfer terms, an annual fee and a grace period. The original document is the place to look for any of these.

What this analysis can address is bounded by the filing: rates, fees and the terms around them. Everything a card issuer might advertise — rewards, benefits, bonuses, who qualifies — falls outside the document and outside this review.

Go to the source

Everything here is a reading of the filed agreement, one page of it, which is linked above and which governs. Terms also change between filings, so the date on the document matters.

In short

At 0% the purchase rate is low relative to this corpus, which is the clearest thing the filing has going for it on cost. Extraction confidence here is not high, so the conclusions above are provisional on the PDF agreeing with them.