Card Disclosure

TIB, National Association's filed agreement for Card Disclosure 184 discloses a 10.24% purchase APR, no annual fee, a 2.9% introductory rate and a 21% penalty rate. That purchase rate ranks near the 6th percentile across this corpus of 4,587 filings.

What the document actually states

Card Disclosure 184 is one of the agreements TIB, National Association has on file with the CFPB. 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.

Once the introductory period ends the rate becomes 10.24%, which turns a lingering $3,000 balance into approximately $323 of annual interest.

How the purchase rate compares

Measured against every other filing on the site, 10.24% is about the 6th percentile for purchase APR; it reads as inexpensive against the rest of the filings.

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.

This figure is the post-promotional rate. The introductory pricing is handled separately further down.

Translating the rate into money

A $1,500 balance left untouched for twelve months accrues about $162 in interest at this purchase rate.

A typical filing in this index would charge about $369 on that balance; this one is roughly $207 a year below it.

Month to month it reads as about $12.68 per cycle on that balance.

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

Paying in full

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.

When a payment is late

If the account defaults, the filing permits a rate of 21%. Among disclosing agreements here that ranks near the 29th percentile.

Measured in money, moving from 10.24% to 21% costs an extra $126 or so annually on $1,000 — a far larger number than any single late fee.

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

The fee structure

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.

The filing discloses a 10.24% balance transfer rate without an accompanying fee figure.

Inside TIB, National Association's filed lineup

This is one of 52 TIB, National Association agreements collected here. Their disclosed purchase rates run from 9.25% to 17.49%, and this one at 10.24% is more expensive than 3 of them.

10 of the issuer's other 45 disclosing filings are likewise fee-free.

What you cannot learn from the filing

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

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

The purchase rate of 10.24% is one of the cheaper figures in this index — the central point in the agreement's favour.