Card Disclosure

The Card Disclosure 171 filing from TIB, National Association sets out a 16.99% purchase APR and a $35 annual fee. That purchase rate ranks near the 21st percentile across this corpus of 4,587 filings.

What the document actually states

TIB, National Association filed this agreement for Card Disclosure 171 with the Consumer Financial Protection Bureau. The filing runs four pages.

Terms captured from the document include a purchase rate, a cash advance rate, an annual fee line, a late payment maximum and a grace period. No figure appears for a balance transfer rate, a penalty rate and a foreign transaction fee.

The purchase rate in context

The purchase APR of 16.99% places this agreement around the 21st percentile of the set — it undercuts the typical filing.

What the rate means in dollars

Carry $2,000 on this card for a year without paying it down and the purchase rate alone generates roughly $370 in interest.

A typical filing in this index would charge about $492 on that balance; this one is roughly $121 a year below it.

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

For scale, $35 is approximately what $206 of revolving balance would cost in interest over twelve months at this card's 16.99% rate.

For cash advances the filing discloses a cash advance APR of 16.99%.

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.

The downside terms

$25 is the disclosed ceiling on a late payment fee, placing it near the 32nd percentile of the set.

Against the rest of TIB, National Association's filings

TIB, National Association has 52 agreements indexed on this site. The issuer's own range is 9.25%–17.49%. At 16.99%, this agreement is dearer than 30 of its siblings.

What the filing does not tell you

The disclosure parsed here does not state 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.

An agreement filing is not a marketing document. Rewards, perks, welcome offers and eligibility rules are not in it, are not in this dataset, and are therefore not discussed anywhere on this page.

Reading the agreement yourself

This summary stands or falls on the linked PDF — four pages. Agreements are amended over time, and the filing reflects the terms as submitted rather than as they stand today.

In short

16.99% is an unexceptional purchase rate in this collection, and the rest of the terms follow the same pattern. Against that sits the $35 annual fee, which is unavoidable once the account is open.