Card Disclosure

The Card Disclosure 133 filing from TIB, National Association sets out a 17.49% purchase APR, no annual fee, a 2.9% introductory rate and a 21% penalty rate. That purchase rate ranks near the 22nd percentile across this corpus of 4,587 filings.

What the agreement puts on the record

What follows is drawn entirely from TIB, National Association's CFPB filing for Card Disclosure 133. The filing runs four pages.

Terms captured from the document include a purchase rate, a balance transfer rate, a penalty rate, an annual fee line and a late payment maximum. It is silent on a cash advance rate and a foreign transaction fee.

The introductory rate

The introductory rate is 2.9%, held for six months. It is a discount rather than a holiday — interest still accrues, just more slowly than the go-to rate.

Among the 763 filings here that disclose an introductory rate, 2.9% sits at about the 73rd percentile.

The go-to rate is 17.49%. Any balance still outstanding when the promotion lapses starts accruing at that figure — about $191 a year on $1,000.

Where the purchase APR sits

Ranked against the corpus, this purchase APR — 17.49% — sits at approximately the 22nd percentile and sits below the middle of the distribution.

This is disclosed as a variable rate. The number above is a snapshot: it tracks an index, so it changes without the agreement being amended.

The rate discussed in this section is the go-to rate — the one that applies once the promotional period described below has ended, not the promotional rate itself.

The arithmetic of revolving

The purchase rate turns a $1,000 revolving balance into roughly $191 of annual interest.

Priced at the median of 21.99%, that balance would generate about $246 in a year — so this agreement comes in around $55 cheaper for the same debt.

Per statement cycle that is on the order of $14.48 on $1,000, which is the number that actually shows up on a bill.

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.

Charges beyond interest

No annual fee appears in the filing, in line with the roughly 75% of disclosing agreements in this index that charge nothing to hold the card.

Transferred balances are priced at 17.49%; no separate transfer fee was captured from the filing.

When a payment is late

A penalty APR of 21% sits in this filing, applied when the account falls into default as the agreement defines it. Against the 794 filings here that disclose one, that is roughly the 29th percentile.

That is 3.51 points above the standard purchase rate. On a $1,000 balance, the shift from 17.49% to 21% adds something like $43 of interest over a year — the real cost of the default, quite apart from the fee itself.

On the fee side, a late payment can cost up to $25, which is around the 32nd percentile here.

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.

How it sits in the issuer's own range

52 separate TIB, National Association filings appear in the corpus. Across that lineup purchase rates span 9.25% to 17.49%; this filing's 17.49% sits above 35 of the comparable ones.

On fees, 10 of the 45 sibling filings that disclose an annual fee also set it at zero — this one is among them.

What is outside the disclosure

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

More broadly, a CFPB agreement filing is a legal and pricing document. It does not describe rewards, benefits, sign-up offers, eligibility or approval criteria, and nothing of that kind has been inferred on this page. Where a card has features of that sort, they live outside this document entirely.

Go to the source

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

The pricing here is middling by the standards of the index — 17.49% 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.