Non L&g TILA Cap87595

On the record for Non L&g Tila Cap87595 0922: a 29.99% purchase APR and no annual fee, filed by TD Bank. The purchase rate sits at roughly the 74th percentile of the 4,587 agreements indexed here.

What the agreement puts on the record

This page covers the agreement TD Bank filed for Non L&g Tila Cap87595 0922. The filing runs four pages.

Terms captured from the document include a purchase rate, an annual fee line and a grace period. It is silent on 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

Ranked against the corpus, this purchase APR — 29.99% — sits at approximately the 74th percentile and sits in the more expensive half.

Translating the rate into money

Carry $1,500 on this card for a year without paying it down and the purchase rate alone generates roughly $524 in interest.

A card priced at the corpus median of 21.99% would charge roughly $369 on that balance. This one charges about $156 more per year.

Month to month it reads as about $37.42 per cycle on that balance.

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

Charges beyond interest

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 grace period

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

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.

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.

Inside TD Bank's filed lineup

This is one of 39 TD Bank agreements collected here. 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.

Where the authority sits

The original filing, 4 pages long, is linked on this page and should be read before any figure here is acted on. It is also a snapshot: issuers refile as terms change.

In short

At 29.99% the purchase rate is close to ordinary for this corpus; nothing in the rate table sets this filing far apart from its peers. Because there is no annual fee, everything depends on the revolving behaviour: used as a payment instrument and cleared monthly, this agreement costs nothing. Extraction confidence here is not high, so the conclusions above are provisional on the PDF agreeing with them.