credit card agreement September

The credit card agreement September filing from Virginia Federal Credit Union sets out no annual fee and a 1.99% introductory rate.

On the face of the filing

The document behind this page is Virginia Federal Credit Union's filed agreement for credit card agreement September. It is issued on the Mastercard network and the filing runs four pages.

The disclosure covers an annual fee line, a late payment maximum, a foreign transaction fee and a grace period. No figure appears for a purchase rate, a cash advance rate and a balance transfer rate.

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

What the promotional rate is worth

The filing discloses an introductory rate of 1.99% but no term for it.

Among the 763 filings here that disclose an introductory rate, 1.99% sits at about the 66th percentile.

The filing captures the promotional rate but not the rate that replaces it. That is the more important of the two numbers, and it is not on this page — the agreement itself has to be read for it.

The grace period

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

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

When a payment is late

The maximum late fee is $35 — roughly the 54th percentile of the late fee ceilings disclosed across this index.

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.

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.

Against the rest of Virginia Federal Credit Union's filings

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

What the filing does not tell you

The disclosure parsed here does not state a purchase rate and penalty pricing. Those gaps are gaps in what could be read from the filing, and the PDF may well address them in prose the rate table does not capture.

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.

Where the authority sits

The filed PDF is linked from this page and runs four pages. It is the authority for every figure summarised above; where this page and the document disagree, the document is right.

In short

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