Bob Mills Furniture

The Bob Mills Furniture filing from TD Bank sets out a 29.99% purchase APR and no annual fee. That purchase rate ranks near the 74th percentile across this corpus of 4,587 filings.

What the document actually states

What follows is drawn entirely from TD Bank's CFPB filing for Bob Mills Furniture. The filing runs four pages.

Terms captured from the document include a purchase rate, an annual fee line and a grace period. No figure appears for 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.

Pricing the purchase rate

Measured against every other filing on the site, 29.99% is about the 74th percentile for purchase APR; it runs above the midpoint of the corpus.

What the rate means in dollars

The purchase rate turns a $5,000 revolving balance into roughly $1,748 of annual interest.

A card priced at the corpus median of 21.99% would charge roughly $1,229 on that balance. This one charges about $518 more per year.

That maths assumes a static balance and nothing else — no payments, no additional purchases, no fees folded in.

Fees, and what triggers them

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.

The no-interest path

The filing gives 25 days' grace on purchases, meaning a statement balance paid in full within that window attracts no interest.

Inside TD Bank's filed lineup

39 separate TD Bank filings appear in the corpus. Their disclosed purchase rates run from 16.74% to 29.99%, and this one at 29.99% is more expensive than 6 of them.

34 of the issuer's other 36 disclosing filings are likewise fee-free.

What the filing does not tell you

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 — four 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 — 29.99% on purchases is near enough to typical. With no annual fee, the cost of the account is entirely a function of whether a balance is carried. Given the parsing confidence on this filing, read the agreement itself before treating any of these figures as settled.