Visa Disclosure

United Consumers Credit Union filed this agreement for Visa Disclosure.

What the agreement puts on the record

United Consumers Credit Union submitted the terms for Visa Disclosure to the CFPB's agreement database; this is what they contain. The filing runs two pages.

On the record here: a late payment maximum, a foreign transaction fee and a grace period. It is silent on a purchase rate, a cash advance rate and a balance transfer rate.

Confidence in the parse of this filing is moderate rather than high, so the figures below are best checked against the original.

When a payment is late

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

What the card costs before you borrow

For cash advances the filing discloses a cash advance fee of $5 or 2% of the advance, whichever is greater. The two halves of that fee cross at about $250: below it the flat $5 applies, above it the percentage does.

No foreign transaction fee is charged, which puts this filing in the roughly 22% of disclosing agreements here that do not take a cut of overseas spending.

Paying in full

25 days is the disclosed grace period for purchases — the interval in which paying in full costs nothing.

A minimum interest charge of $1 applies in any cycle where interest is due, which makes very small revolving balances disproportionately expensive.

How it sits in the issuer's own range

This is one of 3 United Consumers Credit Union agreements collected here.

The limits of this document

This page cannot tell you a purchase rate, balance transfer terms, an annual fee and penalty pricing, because the filing's disclosure table as read does not contain them.

It is worth being explicit about scope: these filings record terms and pricing. They say nothing about rewards programmes, cardholder benefits, promotional offers or who the issuer will approve, and this review does not speculate about any of it.

Where the authority sits

Everything here is a reading of the filed agreement, two 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.