Card Disclosure

Card Disclosure 136, as filed by TIB, National Association, carries a $35 annual fee.

What the agreement puts on the record

What follows is drawn entirely from TIB, National Association's CFPB filing for Card Disclosure 136. The filing runs four pages.

The filing is explicit about a cash advance rate, an annual fee line, a late payment maximum and a grace period. It is silent on a purchase rate, a balance transfer rate and a penalty rate.

The disclosure table in this document parsed only moderately cleanly; the numbers are reported as read, with that caveat attached.

Charges beyond interest

The annual fee is $35, charged whether or not the card is used. Against the filings here that disclose a fee, that sits at roughly the 82nd percentile.

Cash advances carry a cash advance APR of 12.9%. Cash advances also tend to fall outside any grace period, which means interest typically starts on day one rather than at the end of a billing cycle.

Default pricing

Late payments are capped at $25 under this filing, about the 32nd percentile of late fee maximums in the corpus.

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. That matches the 25-day median across the corpus almost exactly.

What you cannot learn from the filing

The disclosure parsed here does not state a purchase rate, 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.

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.

Against the rest of TIB, National Association's filings

52 separate TIB, National Association filings appear in the corpus. Their disclosed purchase rates run from 9.25% to 17.49%, though this particular filing does not state one in comparable form.

Where the authority sits

Everything here is a reading of the filed agreement, four pages of it, which is linked above and which governs. Terms also change between filings, so the date on the document matters.

In short

Note that the $35 annual fee falls due whether the card is used or not. Given the parsing confidence on this filing, read the agreement itself before treating any of these figures as settled.