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.
| Annual fee | $0 |
|---|---|
| Late payment fee | up to $27 |
| Foreign transaction fee | 1% |
| Balance transfer fee | None |
| Grace period | 25 days |
| Minimum interest charge | $0.5 |
| Network | Visa |
Analysis
The Consumer Credit Card Agreement and Application Solicitation Disclosure (1) 1 22 24 filing from Space Coast Credit Union sets out no annual fee.
What the document actually states
The document behind this page is Space Coast Credit Union's filed agreement for Consumer Credit Card Agreement and Application Solicitation Disclosure (1) 1 22 24. The filing runs nine pages, and It is issued on the Visa network.
On the record here: an annual fee line, a late payment maximum, a foreign transaction fee and a grace period. It is silent on a purchase rate, a cash advance rate and a balance transfer rate.
Parsing confidence here is medium, so treat the figures as indicative of the filing rather than a substitute for it.
What a missed payment costs
On the fee side, a late payment can cost up to $27, which is around the 45th percentile here.
Where the fees are
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.
Spending abroad costs an extra 1% — about $15 on $1,500 of purchases, independent of interest.
Paying in full
Anyone clearing the statement balance inside 25 days pays no purchase interest at all under this filing. That matches the 25-day median across the corpus almost exactly.
The $0.50 minimum interest charge means the effective cost of carrying a very small balance is far higher than the quoted APR implies.
What you cannot learn from the filing
The disclosure parsed here does not state a purchase rate, anything about cash advances 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.
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.
Where the authority sits
Everything here is a reading of the filed agreement, nine pages of it, which is linked above and which governs. Terms also change between filings, so the date on the document matters.
In short
Given the parsing confidence on this filing, read the agreement itself before treating any of these figures as settled.
The source document
This page is a reading of one document: the cardholder agreement Space Coast Credit Union filed with the Consumer Financial Protection Bureau. Where the two disagree, the filing is correct and this page is wrong.
Applications are handled by Space Coast Credit Union, not by us. We do not take applications and cannot say whether you would be approved.
Other cards from Space Coast Credit Union
This is the only agreement from Space Coast Credit Union 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.