SelfSCC accountdisclosure 0925

Sunrise Banks's filed agreement for SelfSCC accountdisclosure 0925 3 discloses a 28.24% purchase APR and a $25 annual fee. Against the 4,587 filings on this site, that rate lands around the 68th percentile.

On the face of the filing

This page covers the agreement Sunrise Banks filed for SelfSCC accountdisclosure 0925 3. It is issued on the Visa network and the filing runs 18 pages.

Terms captured from the document include a purchase rate, an annual fee line, a late payment maximum and a grace period. A cash advance rate, a balance transfer rate and a penalty rate are not stated.

How the purchase rate compares

Measured against every other filing on the site, 28.24% is about the 68th percentile for purchase APR; it runs above the midpoint of the corpus.

Because the rate is variable, the figure quoted is tied to an index and will drift with it. Nothing here is a fixed commitment.

What the rate means in dollars

Put $3,000 on the card and never reduce it, and twelve months of interest at the disclosed purchase rate comes to approximately $978.

The median purchase rate across the corpus is 21.99%; the same balance there would cost about $738. The gap — roughly $241 a year on $3,000 — is the price of this particular filing over a typical one.

Month to month it reads as about $70.42 per cycle on that balance.

These figures are arithmetic on the disclosed rate, not a quote: they assume the balance is never reduced, ignore any payments, and take no account of fees charged separately.

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.

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

The downside terms

The maximum late fee is $25 — roughly the 32nd percentile of the late fee ceilings disclosed across this index.

The fee structure

$25 a year is the disclosed annual fee, which ranks near the 78th percentile of the fees filed across this corpus.

For scale, $25 is approximately what $89 of revolving balance would cost in interest over twelve months at this card's 28.24% rate.

The limits of this document

The disclosure parsed here does not state anything about cash advances, balance transfer terms, a foreign transaction fee 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.

Reading the agreement yourself

This summary stands or falls on the linked PDF — 18 pages. Agreements are amended over time, and the filing reflects the terms as submitted rather than as they stand today.

In short

The pricing here is middling by the standards of the index — 28.24% on purchases is near enough to typical. Against that sits the $25 annual fee, which is unavoidable once the account is open.