Diamonds International TILA

The Diamonds International Tila 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.

On the face of the filing

TD Bank filed this agreement for Diamonds International Tila with the Consumer Financial Protection Bureau. The filing runs four pages.

The filing is explicit about 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.

These figures carry medium extraction confidence — they are reproduced as read from the filing, which remains the authority.

The purchase rate in context

29.99% puts the purchase APR near the 74th percentile across 2,280 agreements, so it comes in above the median.

The cost of carrying a balance

Put $2,000 on the card and never reduce it, and twelve months of interest at the disclosed purchase rate comes to approximately $699.

The median purchase rate across the corpus is 21.99%; the same balance there would cost about $492. The gap — roughly $207 a year on $2,000 — is the price of this particular filing over a typical one.

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.

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.

Paying in full

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.

What you cannot learn from the filing

Absent from the captured terms: anything about cash advances, balance transfer terms, a foreign transaction fee and penalty pricing. The original document is the place to look for any of these.

It is worth being explicit about scope: these filings record terms and pricing. They say nothing about rewards programmes, cardholder benefits, promotional offers or who the issuer will approve, and this review does not speculate about any of it.

Inside TD Bank's filed lineup

TD Bank has 39 agreements indexed on this site. The issuer's own range is 16.74%–29.99%. At 29.99%, this agreement is dearer than 6 of its siblings.

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

The document itself

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

In short

The pricing here is middling by the standards of the index — 29.99% on purchases is near enough to typical. The absence of an annual fee means the rate is the only thing that can make this card expensive. All of this rests on figures read from the filing with less than full confidence, which is reason enough to check the document before relying on any of it.