Detected in the CFPB-filed cardholder agreements from Forcht Bank, National Association. Verbatim quotes below — CardSleuth flags the language; this isn't legal advice.
Penalty APR
Slip up and your rate can jump to a much higher penalty APR.
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“…ny accounts that you have with us. If this occurs, any promotional period and associated rate discount(s) will also come to an end. How Long Will the Penalty APR Apply? If your APRs are increased for this reason, the Penalty APR will apply until you make six consecutive minimum payments when due. 10. RUSH CARD…”
“…0% - This APR may be applied to your account if you make a late payment 60 days late, 1 time on any accounts that you have with us. How Long Will the Penalty APR Apply?: If your APRs are increased for this reason, the Penalty APR will apply until you make six consecutive minimum payments when due. 10. RUSH CAR…”
Balance computationAverage daily balance including new purchases
Rewards, benefits and features
Rewards
None reported
Services
None reported
Features
Contactless Payments
Chip card
Mobile wallet provisioning (for example, Apple Pay)
Who can get this card
AvailabilityRegional
StatesFL, IN, KY, OH, TN, VA
Membership requirementsOpen to the public
Balance transfer
This card does not offer a balance transfer rate.
Cost to carry a balance
Interest for a year at 22.75%$682.50
Annual / periodic fees$0
Total yearly cost$682.50
Simple interest on a constant balance — a plain-language upper bound rather than an amortisation schedule. Paying in full each month within the 30-day grace period avoids the interest entirely.
Cardholder agreements
5 documents filed by Forcht Bank, National Association in the 2026 Q1 archive.