Credit Card Disclosure

Together Credit Union's filed agreement for Credit Card Disclosure discloses no annual fee.

What the agreement puts on the record

What follows is drawn entirely from Together Credit Union's CFPB filing for Credit Card Disclosure. It is issued on the Visa network and the filing runs three pages.

Terms captured from the document include an annual fee line, a late payment maximum, a foreign transaction fee and a grace period. A purchase rate, a cash advance rate and a balance transfer rate are not stated.

Parsing confidence here is medium, so treat the figures as indicative of the filing rather than a substitute for it.

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 sets a 1% foreign transaction fee, which adds roughly $15 to $1,500 spent outside the United States.

Default pricing

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

Paying in full

25 days is the disclosed grace period for purchases — the interval in which paying in full costs nothing. That matches the 25-day median across the corpus almost exactly.

Where interest applies at all, the filing bills at least $0.50. On a tiny balance that floor can dwarf the rate itself.

The limits of this document

Absent from the captured terms: a purchase rate, anything about cash advances and penalty pricing. The original document is the place to look for any of these.

What this analysis can address is bounded by the filing: rates, fees and the terms around them. Everything a card issuer might advertise — rewards, benefits, bonuses, who qualifies — falls outside the document and outside this review.

Where the authority sits

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

In short

Extraction confidence here is not high, so the conclusions above are provisional on the PDF agreeing with them.