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Tib, National Association

52 cardholder agreements · 7.0 MB

A
Fair Terms · grade A (94/100)
1 contract red flag across 52 filed docs · see how every issuer ranks →
Why this grade
  • Starting score100
  • Penalty APR-6
  • Fair Terms score94 · grade A

See the exact wording behind each below.

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Contract X-Ray — what's buried in the fine print

1 red flag · 52 filed docs

Detected in the CFPB-filed cardholder agreements from Tib, 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.

Show the exact wording ↓
“…ased on the Prime will vary with the market based on the Prime Rate. a Rate. b 21.00% - This APR will vary with the market based on the Prime Rate. c Penalty APR and This APR may be applied if you allow your Account to become 60 days past due. When it Applies How Long Will the Penalty Apply? If your APR is inc…”
Card Disclosure 132 ↗
“…will be 17.49%. This APR will vary with the market based on the Prime Rate. a 21.00% - This APR will vary with the market based on the Prime Rate. b Penalty APR and When it This APR may be applied if you allow your Account to become 60 days past due. Applies How Long Will the Penalty Apply? If your APR is inc…”
Card Disclosure 133 ↗
“…will be 12.49%. This APR will vary with the market based on the Prime Rate. a 21.00% - This APR will vary with the market based on the Prime Rate. b Penalty APR and When it This APR may be applied if you allow your Account to become 60 days past due. Applies How Long Will the Penalty Apply? If your APR is inc…”
Card Disclosure 134 ↗

Checked & clear: Forced arbitration · Class-action waiver · Jury-trial waiver · Deferred interest · Change-anytime clause

Cardholder agreements

Filed with the CFPB in the 2026 Q1 bulk submission. Opens the original PDF.

Card Disclosure 13262 KBCard Disclosure 13360 KBCard Disclosure 13459 KBCard Disclosure 13553 KBCard Disclosure 13658 KBCard Disclosure 13757 KBCard Disclosure 13855 KBCard Disclosure 13957 KBCard Disclosure 14058 KBCard Disclosure 14155 KBCard Disclosure 16058 KBCard Disclosure 16262 KBCard Disclosure 16360 KBCard Disclosure 16459 KBCard Disclosure 16554 KBCard Disclosure 16757 KBCard Disclosure 16855 KBCard Disclosure 16957 KBCard Disclosure 17058 KBCard Disclosure 17155 KBCard Disclosure 17262 KBCard Disclosure 17360 KBCard Disclosure 17459 KBCard Disclosure 17554 KBCard Disclosure 17657 KBCard Disclosure 17757 KBCard Disclosure 17855 KBCard Disclosure 17957 KBCard Disclosure 18058 KBCard Disclosure 18155 KBCard Disclosure 182245 KBCard Disclosure 183243 KBCard Disclosure 184243 KBCard Disclosure 185237 KBCard Disclosure 186240 KBCard Disclosure 187217 KBCard Disclosure 188215 KBCard Disclosure 189240 KBCard Disclosure 190241 KBCard Disclosure 191238 KBCard_Disclosure_17262 KBCard_Disclosure_182245 KBCard_Disclosure_183243 KBCard_Disclosure_184243 KBCard_Disclosure_185237 KBCard_Disclosure_186240 KBCard_Disclosure_187217 KBCard_Disclosure_188215 KBCard_Disclosure_189240 KBCard_Disclosure_190241 KBCard_Disclosure_191238 KBPayroll Card Terms and Conditions628 KB