Card Disclosure

The Card Disclosure 184 filing from TIB, National Association sets out a 10.24% purchase APR, no annual fee, a 2.9% introductory rate and a 21% penalty rate. The purchase rate sits at roughly the 6th percentile of the 4,587 agreements indexed here.

What the agreement puts on the record

The document behind this page is TIB, National Association's filed agreement for Card Disclosure 184. The filing runs four pages.

The filing is explicit about a purchase rate, a balance transfer rate, a penalty rate, an annual fee line and a late payment maximum. No figure appears for a cash advance rate and a foreign transaction fee.

The promotional period

A promotional rate of 2.9% applies for six months under this agreement — lower than the standard rate, but not free.

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

Behind the promotion sits a 10.24% purchase rate. On $2,500 that is in the region of $270 a year once the window closes.

How the purchase rate compares

Ranked against the corpus, this purchase APR — 10.24% — sits at approximately the 6th percentile and is comfortably below what most issuers filed.

The filing marks this rate as variable, which means it moves with the index the agreement names rather than staying where it is quoted today.

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.

Translating the rate into money

A $1,200 balance left untouched for twelve months accrues about $129 in interest at this purchase rate.

Priced at the median of 21.99%, that balance would generate about $295 in a year — so this agreement comes in around $166 cheaper for the same debt.

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

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.

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

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.

Measured in money, moving from 10.24% to 21% costs an extra $314 or so annually on $2,500 — a far larger number than any single late fee.

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

The no-interest path

Anyone clearing the statement balance inside 25 days pays no purchase interest at all under this filing.

What is outside the disclosure

This page cannot tell you anything about cash advances and a foreign transaction fee, because the filing's disclosure table as read does not contain them.

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.

Inside TIB, National Association's filed lineup

52 separate TIB, National Association filings appear in the corpus. Their disclosed purchase rates run from 9.25% to 17.49%, and this one at 10.24% is more expensive than 3 of them.

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

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

At 10.24% the purchase rate is low relative to this corpus, which is the clearest thing the filing has going for it on cost. Because there is no annual fee, everything depends on the revolving behaviour: used as a payment instrument and cleared monthly, this agreement costs nothing.