Credit Card Agreement

Credit Card Agreement 12 1 24, as filed by Virginia Federal Credit Union, carries no annual fee and a 12-month 0% opening period.

What this filing discloses

This page covers the agreement Virginia Federal Credit Union filed for Credit Card Agreement 12 1 24. It is issued on the Mastercard network and the filing runs two pages.

The disclosure covers an annual fee line, 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.

Zero percent, and then what

This agreement opens at 0% for 12 months, the only period in the document where carrying a balance is free.

Roughly 458 of the 4,587 filings indexed here disclose a zero-percent introductory rate, so this is a real feature of the document but not a rare one.

Only the introductory figure parsed cleanly here. Since the rate after the promotion is the one that governs the account for most of its life, this page cannot describe the real cost of the card.

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.

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.

What a missed payment costs

$35 is the disclosed ceiling on a late payment fee, placing it near the 54th percentile of the set.

Grace period and minimum charge

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.

The filing sets the minimum interest charge at zero — small balances are not rounded up to a floor.

What is outside the disclosure

Absent from the captured terms: a purchase rate, balance transfer terms and penalty pricing. 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.

Inside Virginia Federal Credit Union's filed lineup

This is one of 15 Virginia Federal Credit Union agreements collected here.

The document itself

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.