Samsung Financing Program Account Summary Table and Cardholder Agreement

TD Bank's filed agreement for Samsung Financing Program Account Summary Table and Cardholder Agreement discloses 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 agreement puts on the record

This page covers the agreement TD Bank filed for Samsung Financing Program Account Summary Table and Cardholder Agreement. The filing runs four pages.

The filing is explicit about a purchase rate, an annual fee line, a late payment maximum 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.

Where the purchase APR sits

Measured against every other filing on the site, 29.99% is about the 74th percentile for purchase APR; it comes in above the median.

The cost of carrying a balance

Put $1,000 on the card and never reduce it, and twelve months of interest at the disclosed purchase rate comes to approximately $350.

The median purchase rate across the corpus is 21.99%; the same balance there would cost about $246. The gap — roughly $104 a year on $1,000 — is the price of this particular filing over a typical one.

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

Charges beyond interest

There is no annual fee. That is the common case in this corpus — about 75% of the filings that disclose an annual fee at all disclose it as $0 — so it is a baseline expectation rather than a distinguishing feature.

Penalty pricing and late fees

The maximum late fee is $40 — roughly the 72nd percentile of the late fee ceilings disclosed across this index.

The grace period

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 is outside the disclosure

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.

How it sits in the issuer's own range

There are 39 filings from TD Bank in this index. 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.

Where the authority sits

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. Given the parsing confidence on this filing, read the agreement itself before treating any of these figures as settled.