PNC BankSecured Credit CardRegistry illustration · issuer artwork unavailable

Secured Credit CardPNC Bank · N bank, AL · FDIC 6384

CurrentLast observed Oct 4, 2026Source date Dec 31, 2025Government datasetCredit card · Consumer · securedFiled as “PNC Secured Credit Card”

Open the document Download JSONAdd to compare

Purchase APR

24.24%–26.24%

variable

Balance transfer

—

Cash advance APR

28.74%–29.24%

variable

Annual fee

a year

Foreign fee

of the amount

Grace period

21 days

from cycle close

Product terms with exact source passages
Term	Value	As printed in the source	Source
APR for purchasesintroductory rate first
Introductory	NoneConsumer Financial Protection Bureau · Report Date Dec 31, 2025 · Captured Sep 6, 2026	—	Website
	24.24%–26.24% variableConsumer Financial Protection Bureau · Report Date Dec 31, 2025 · Captured Sep 6, 2026	—	Website
APR for balance transfers	NoneConsumer Financial Protection Bureau · Report Date Dec 31, 2025 · Captured Sep 6, 2026	—	Website
APR for cash advances	28.74%–29.24% variableConsumer Financial Protection Bureau · Report Date Dec 31, 2025 · Captured Sep 6, 2026	—	Website
Penalty APRafter a late or returned payment	—	no source read
Paying interestgrace period on new purchases	21 days from the close of each billing cycle	—	—
Minimum interest charge	$1.50	—	—
How we calculate your balance	Average daily balance including new purchases	—	—
Annual fee	$0Consumer Financial Protection Bureau · Report Date Dec 31, 2025 · Captured Sep 6, 2026	—	Website
Transaction fees
Cash advance	—	no source read
Balance transfer	5% of the amount, minimum $5Consumer Financial Protection Bureau · Report Date Dec 31, 2025 · Captured Sep 6, 2026	—	Website
Foreign transaction	3% of the amountConsumer Financial Protection Bureau · Report Date Dec 31, 2025 · Captured Sep 6, 2026	—	Website
Penalty fees
First late fee	$25Consumer Financial Protection Bureau · Report Date Dec 31, 2025 · Captured Sep 6, 2026	—	Website
Repeat late fee within six billing cycles	$35Consumer Financial Protection Bureau · Report Date Dec 31, 2025 · Captured Sep 6, 2026	—	Website
Returned payment	—	no source read
Other fees
Return Payment Fee	$35, Charged when a customers payment is returned - up to $35Consumer Financial Protection Bureau · Report Date Dec 31, 2025 · Captured Sep 6, 2026	—	Website
Stop Payment Fee	$35, Charged when a customer asks PNC Bank to stop payment on a convenience check or balance transfer, or when the customer renews a stop payment orderConsumer Financial Protection Bureau · Report Date Dec 31, 2025 · Captured Sep 6, 2026	—	Website
Over limit	$0Consumer Financial Protection Bureau · Report Date Dec 31, 2025 · Captured Sep 6, 2026	—	Website
Purchase transaction	$0Consumer Financial Protection Bureau · Report Date Dec 31, 2025 · Captured Sep 6, 2026	—	Website

42061_pnc_agreement_SECURED_cc_k10556 (1)_Rpage 1 of 12

Pricing Information Addendum for PNC Bank Consumer Credit Card Agreement # K-10556

A Note About the Attached Consumer Credit Card Agreement (# K-10556) : The attached consumer credit card agreement was the standard agreement used for PNC Bank, National Association consumer credit card accounts as of the last business day of the preceding calendar quarter. This agreement may have changed or may no longer be in use after that date. The information in this Pricing Information Addendum is a summary of all pricing information that was available for new accounts subject to this agreement as of the last business day of the preceding calendar quarter. Certain provisions of the attached agreement vary from one consumer to the next to reflect the specific pricing information for a given consumer credit card account.

Summary of Interest Rate Information: Annual Percentage Rates ('APRs') below with a (V) vary (increase or decrease) with the market based on the prime rate (index). In some instances, the consumer's credit card agreement provided for a non-variable APR for some of the features of the account. The Penalty APR may be applied to the consumer's account if the consumer makes a late payment. If the APRs on an account are increased for this reason, the Penalty APR will apply until the consumer makes six consecutive minimum payments by the applicable due date.

Feature · Margin · Daily Periodic Rate of Interest · Corresponding APR Purchases and Balance Transfers · 15.74% · 0.06572% (V) · 23.99% (V) Cash Advances · 18.74% · 0.07394% (V) · 26.99% (V) Penalty APR · 25.74% · 0.09312% (V) · 33.99% (V)

Minimum Interest Charge: $1.50

Summary of Fee Information:

Fee · Fee Amount Annual Fee · $36 ($3 per month) Balance Transfer · 3% of the amount of the balance transfer or $5, whichever is greater Cash Advance · 4% of the amount of each cash advance or $10, whichever is greater Foreign Transaction · 3% of the amount in U.S. dollars of each foreign transaction Late Payment · Up to $35 Returned Payment · Up to $35

Paying Interest (grace period) : The due date on an account is at least 21 days after the close of each billing cycle. No interest is charged on new purchases appearing on the consumer's current statement if the consumer paid in full the 'New Balance' shown on the consumer's previous statement and the payment was received by that due date. We begin charging interest on cash advances and balance transfers on the transaction date.

Balance Computation Method: The method used to calculate the balances subject to interest on a consumer's account is called the 'average daily balance (including new purchases).' Here are the details about this calculation method for purchases, balance transfers, and cash advances:

How we calculate the balance on purchases (including balance transfers): (1) We start with the unpaid amount of purchases for the current billing cycle, which may include unpaid interest and fees from previous billing cycles. (2) Each day we subtract any payments or credits that apply to purchases. We add any new purchases, any new fees that apply to purchases, and any interest on the previous day's purchase balance if you have not paid in full the New Balance on your previous statement by the due date. This gives us the daily balance of purchases. (3) Then we add up all the daily balances of purchases for the billing cycle and divide by the total number of days in the billing cycle. This gives us the 'average daily balance of purchases' for the current billing cycle. (Although balance transfers are calculated as part of the average daily balances (including new purchases), there is no grace period for balance transfers).

How we calculate the balance on cash advances: (1) We start with the unpaid amount of cash advances, which may include unpaid interest and fees from previous billing cycles. (2) Each day we subtract any payments or credits that apply to cash advances. Then we add any new cash advances, any new fees that apply to cash advances, and any interest on the previous day's cash advance balance. This gives us the daily balance of new cash advances. (3) Then we add up all the daily balances of cash advances for the billing cycle and divide by the number of days in the billing cycle. This gives us the 'average daily balance of cash advances.'

1 2 3 4 5 6 7 8 9 10 11 12No page of this document is cited by this card

Archived Aug 23, 2026Open full document

Sources and dates

Contractual terms come from retained issuer disclosures. Historical cohort statistics come from the CFPB survey and do not change the issuer's terms.

Issuer disclosures and source details

Exact passages support the published terms or show additional details that remain unresolved.

PNC Bank, National Association
Page Capture Aug 23, 2026 · Captured Aug 23, 2026 · page 1
“Minimum Interest Charge: $1.50”
Additional source detail; structured values remain unknown. This agreement passage is retained verbatim. The pricing interpretation does not replace the complete card-terms declaration.
Read exact source ↗
PNC Bank, National Association
Page Capture Aug 23, 2026 · Captured Aug 23, 2026 · page 1
“How we calculate the balance on purchases (including balance transfers) : (1) We start with the unpaid amount of purchases for the current billing cycle, which may include unpaid interest and fees from previous billing cycles. (2) Each day we subtract any payments or credits that apply to purchases. We add any new purchases, any new fees that apply to purchases, and any interest on the previous d…”
Additional source detail; structured values remain unknown. This agreement passage is retained verbatim. The pricing interpretation does not replace the complete card-terms declaration.
Supporting source passages
- Page 2
  “Pay your entire new balance, including balances for any promotional rate balance transfers, showing on your current statement by your due date, and we’ll provide you with a “grace period” for new purchases that appear on your next statement, which means that wewon’t charge you interest on those new purchases if you pay them by the due date shown on that statement. Rememberthough–there is no grace…”
- Page 4
  “If you pay your entire new balance showing on your current Statement by your Due Date, you may avoid paying interest on new purchases appearing on your next Statement if you pay those new purchases by the Due Date shown on that next Statement. This is called a grace period. There is no grace period for cash advances and balance transfers.”
Read exact source ↗
PNC Bank, National Association
Page Capture Aug 23, 2026 · Captured Aug 23, 2026 · page 2
“Pay your entire new balance, including balances for any promotional rate balance transfers, showing on your current statement by your due date, and we’ll provide you with a “grace period” for new purchases that appear on your next statement, which means that wewon’t charge you interest on those new purchases if you pay them by the due date shown on that statement. Rememberthough–there is no grace…”
Additional source detail; structured values remain unknown. This agreement passage is retained verbatim. The pricing interpretation does not replace the complete card-terms declaration.
Read exact source ↗
PNC Bank, National Association
Page Capture Aug 23, 2026 · Captured Aug 23, 2026 · page 1
“Minimum Interest Charge: $1.50”
Additional source detail; structured values remain unknown. This agreement passage is retained verbatim. The pricing interpretation does not replace the complete card-terms declaration.
Read exact source ↗
PNC Bank, National Association
Page Capture Aug 23, 2026 · Captured Aug 23, 2026 · page 1
“How we calculate the balance on purchases (including balance transfers) : (1) We start with the unpaid amount of purchases for the current billing cycle, which may include unpaid interest and fees from previous billing cycles. (2) Each day we subtract any payments or credits that apply to purchases. We add any new purchases, any new fees that apply to purchases, and any interest on the previous d…”
Additional source detail; structured values remain unknown. This agreement passage is retained verbatim. The pricing interpretation does not replace the complete card-terms declaration.
Supporting source passages
- Page 4
  “If you pay your entire new balance showing on your current Statement by your Due Date, you may avoid paying interest on new purchases appearing on your next Statement if you pay those new purchases by the Due Date shown on that next Statement. This is called a grace period. There is no grace period for cash advances and balance transfers.”
Read exact source ↗
PNC Bank, National Association
Page Capture Aug 23, 2026 · Captured Aug 23, 2026 · page 4
“If you pay your entire new balance showing on your current Statement by your Due Date, you may avoid paying interest on new purchases appearing on your next Statement if you pay those new purchases by the Due Date shown on that next Statement. This is called a grace period. There is no grace period for cash advances and balance transfers.”
Additional source detail; structured values remain unknown. This agreement passage is retained verbatim. The pricing interpretation does not replace the complete card-terms declaration.
Read exact source ↗

CFPB survey — historical cohort statistics

Reported medians describe observed cohorts at the survey date; they are not contractual APR ranges.

Consumer Financial Protection Bureau
Report Date Dec 31, 2025 · Captured Sep 6, 2026 · record cfpb:tccp:2025-12-31:pnc-bank-national-association:pnc-secured-credit-card
Fields: Balance Transfer Offered?
Read exact source ↗
Consumer Financial Protection Bureau
Report Date Dec 31, 2025 · Captured Oct 4, 2026 · record cfpb:tccp:v2:2025-12-31:pnc-bank-national-association:pnc-secured-credit-card:f55e628a341934dd61ea1a18e1f71a468cb8983dabbc0afe8725ff4199e530c8
Fields: Balance Transfer Offered?
Read exact source ↗
Consumer Financial Protection Bureau
Report Date Dec 31, 2025 · Captured Sep 6, 2026 · record cfpb:tccp:2025-12-31:pnc-bank-national-association:pnc-secured-credit-card
Fields: Advance APR max, Advance APR median, Advance APR min, Cash Advance APR Offered?, Purchase APR Index, Variable Rate Index
Read exact source ↗
Consumer Financial Protection Bureau
Report Date Dec 31, 2025 · Captured Oct 4, 2026 · record cfpb:tccp:v2:2025-12-31:pnc-bank-national-association:pnc-secured-credit-card:f55e628a341934dd61ea1a18e1f71a468cb8983dabbc0afe8725ff4199e530c8
Fields: Advance APR max, Advance APR median, Advance APR min, Cash Advance APR Offered?, Purchase APR Index, Variable Rate Index
Read exact source ↗
Consumer Financial Protection Bureau
Report Date Dec 31, 2025 · Captured Sep 6, 2026 · record cfpb:tccp:2025-12-31:pnc-bank-national-association:pnc-secured-credit-card
Fields: Introductory APR Offered?
Read exact source ↗
Consumer Financial Protection Bureau
Report Date Dec 31, 2025 · Captured Oct 4, 2026 · record cfpb:tccp:v2:2025-12-31:pnc-bank-national-association:pnc-secured-credit-card:f55e628a341934dd61ea1a18e1f71a468cb8983dabbc0afe8725ff4199e530c8
Fields: Introductory APR Offered?
Read exact source ↗
Consumer Financial Protection Bureau
Report Date Dec 31, 2025 · Captured Sep 6, 2026 · record cfpb:tccp:2025-12-31:pnc-bank-national-association:pnc-secured-credit-card
Fields: Purchase APR Index, Purchase APR Offered?, Purchase APR max, Purchase APR median, Purchase APR min, Variable Rate Index
Read exact source ↗
Consumer Financial Protection Bureau
Report Date Dec 31, 2025 · Captured Oct 4, 2026 · record cfpb:tccp:v2:2025-12-31:pnc-bank-national-association:pnc-secured-credit-card:f55e628a341934dd61ea1a18e1f71a468cb8983dabbc0afe8725ff4199e530c8
Fields: Purchase APR Index, Purchase APR Offered?, Purchase APR max, Purchase APR median, Purchase APR min, Variable Rate Index
Read exact source ↗
Consumer Financial Protection Bureau
Report Date Dec 31, 2025 · Captured Sep 6, 2026 · record cfpb:tccp:2025-12-31:pnc-bank-national-association:pnc-secured-credit-card
Fields: Annual Fee, Balance Computation Method, Balance Computation Method Details, Balance Transfer Grace Period, Card Features, Contact Information Types, Fee Explanation, Fee Varies?, Grace Period, Grace Period Offered?, Institution Name, Issued by Top 25 Institution, Minimum Finance Charge (Dollars), Minimum Finance Charge?, Monthly Fee, Periodic Fee Type, Periodic max, Periodic min, Product Name, Report Date, Requirements for Opening, Secured Card, Targeted Credit Tiers, Telephone Number for Consumers, Website for Consumer, Weekly Fee
Read exact source ↗
Consumer Financial Protection Bureau
Report Date Dec 31, 2025 · Captured Oct 4, 2026 · record cfpb:tccp:v2:2025-12-31:pnc-bank-national-association:pnc-secured-credit-card:f55e628a341934dd61ea1a18e1f71a468cb8983dabbc0afe8725ff4199e530c8
Fields: Annual Fee, Balance Computation Method, Balance Computation Method Details, Balance Transfer Grace Period, Card Features, Contact Information Types, Fee Explanation, Fee Varies?, Grace Period, Grace Period Offered?, Institution Name, Issued by Top 25 Institution, Minimum Finance Charge (Dollars), Minimum Finance Charge?, Monthly Fee, Periodic Fee Type, Periodic max, Periodic min, Product Name, Report Date, Requirements for Opening, Secured Card, Targeted Credit Tiers, Telephone Number for Consumers, Website for Consumer, Weekly Fee
Read exact source ↗
Consumer Financial Protection Bureau
Report Date Dec 31, 2025 · Captured Sep 6, 2026 · record cfpb:tccp:2025-12-31:pnc-bank-national-association:pnc-secured-credit-card
Fields: Balance Transfer Fee ($), Balance Transfer Fee (%), Balance Transfer Fee Calculation, Balance Transfer Fee Types, Balance Transfer Fees?, Minimum Balance Transfer Fee Amount
Read exact source ↗
Consumer Financial Protection Bureau
Report Date Dec 31, 2025 · Captured Oct 4, 2026 · record cfpb:tccp:v2:2025-12-31:pnc-bank-national-association:pnc-secured-credit-card:f55e628a341934dd61ea1a18e1f71a468cb8983dabbc0afe8725ff4199e530c8
Fields: Balance Transfer Fee ($), Balance Transfer Fee (%), Balance Transfer Fee Calculation, Balance Transfer Fee Types, Balance Transfer Fees?, Minimum Balance Transfer Fee Amount
Read exact source ↗
Consumer Financial Protection Bureau
Report Date Dec 31, 2025 · Captured Sep 6, 2026 · record cfpb:tccp:2025-12-31:pnc-bank-national-association:pnc-secured-credit-card
Fields: Foreign Transaction Fee ($), Foreign Transaction Fee (%), Foreign Transaction Fee Calculation, Foreign Transaction Fees Types, Foreign Transaction Fees?, Minimum Foreign Transaction Fee Amount
Read exact source ↗
Consumer Financial Protection Bureau
Report Date Dec 31, 2025 · Captured Oct 4, 2026 · record cfpb:tccp:v2:2025-12-31:pnc-bank-national-association:pnc-secured-credit-card:f55e628a341934dd61ea1a18e1f71a468cb8983dabbc0afe8725ff4199e530c8
Fields: Foreign Transaction Fee ($), Foreign Transaction Fee (%), Foreign Transaction Fee Calculation, Foreign Transaction Fees Types, Foreign Transaction Fees?, Minimum Foreign Transaction Fee Amount
Read exact source ↗
Consumer Financial Protection Bureau
Report Date Dec 31, 2025 · Captured Sep 6, 2026 · record cfpb:tccp:2025-12-31:pnc-bank-national-association:pnc-secured-credit-card
Fields: Late Fee ($), Late Fee Policy Details, Late Fee Types, Late Fees?
Read exact source ↗
Consumer Financial Protection Bureau
Report Date Dec 31, 2025 · Captured Oct 4, 2026 · record cfpb:tccp:v2:2025-12-31:pnc-bank-national-association:pnc-secured-credit-card:f55e628a341934dd61ea1a18e1f71a468cb8983dabbc0afe8725ff4199e530c8
Fields: Late Fee ($), Late Fee Policy Details, Late Fee Types, Late Fees?
Read exact source ↗
Consumer Financial Protection Bureau
Report Date Dec 31, 2025 · Captured Sep 6, 2026 · record cfpb:tccp:2025-12-31:pnc-bank-national-association:pnc-secured-credit-card
Fields: Late Fee Six Month Billing Cycle
Read exact source ↗
Consumer Financial Protection Bureau
Report Date Dec 31, 2025 · Captured Oct 4, 2026 · record cfpb:tccp:v2:2025-12-31:pnc-bank-national-association:pnc-secured-credit-card:f55e628a341934dd61ea1a18e1f71a468cb8983dabbc0afe8725ff4199e530c8
Fields: Late Fee Six Month Billing Cycle
Read exact source ↗
Consumer Financial Protection Bureau
Report Date Dec 31, 2025 · Captured Sep 6, 2026 · record cfpb:tccp:2025-12-31:pnc-bank-national-association:pnc-secured-credit-card
Fields: Other Fee Amount, Other Fee Explanation, Other Fee Name
Read exact source ↗
Consumer Financial Protection Bureau
Report Date Dec 31, 2025 · Captured Oct 4, 2026 · record cfpb:tccp:v2:2025-12-31:pnc-bank-national-association:pnc-secured-credit-card:f55e628a341934dd61ea1a18e1f71a468cb8983dabbc0afe8725ff4199e530c8
Fields: Other Fee Amount, Other Fee Explanation, Other Fee Name
Read exact source ↗
Consumer Financial Protection Bureau
Report Date Dec 31, 2025 · Captured Sep 6, 2026 · record cfpb:tccp:2025-12-31:pnc-bank-national-association:pnc-secured-credit-card
Fields: Other Fee Amount 2, Other Fee Explanation 2, Other Fee Name 2
Read exact source ↗
Consumer Financial Protection Bureau
Report Date Dec 31, 2025 · Captured Oct 4, 2026 · record cfpb:tccp:v2:2025-12-31:pnc-bank-national-association:pnc-secured-credit-card:f55e628a341934dd61ea1a18e1f71a468cb8983dabbc0afe8725ff4199e530c8
Fields: Other Fee Amount 2, Other Fee Explanation 2, Other Fee Name 2
Read exact source ↗
Consumer Financial Protection Bureau
Report Date Dec 31, 2025 · Captured Sep 6, 2026 · record cfpb:tccp:2025-12-31:pnc-bank-national-association:pnc-secured-credit-card
Fields: Over Limit Fee ($), Over Limit Fee Types, Over Limit Fees?, Overlimit Fee Detail
Read exact source ↗
Consumer Financial Protection Bureau
Report Date Dec 31, 2025 · Captured Oct 4, 2026 · record cfpb:tccp:v2:2025-12-31:pnc-bank-national-association:pnc-secured-credit-card:f55e628a341934dd61ea1a18e1f71a468cb8983dabbc0afe8725ff4199e530c8
Fields: Over Limit Fee ($), Over Limit Fee Types, Over Limit Fees?, Overlimit Fee Detail
Read exact source ↗
Consumer Financial Protection Bureau
Report Date Dec 31, 2025 · Captured Sep 6, 2026 · record cfpb:tccp:2025-12-31:pnc-bank-national-association:pnc-secured-credit-card
Fields: Minimum Purchase Transaction Fee Amount, Purchase Transaction Fee ($), Purchase Transaction Fee (%), Purchase Transaction Fee Calculation, Purchase Transaction Fee Type, Purchase Transaction Fees
Read exact source ↗
Consumer Financial Protection Bureau
Report Date Dec 31, 2025 · Captured Oct 4, 2026 · record cfpb:tccp:v2:2025-12-31:pnc-bank-national-association:pnc-secured-credit-card:f55e628a341934dd61ea1a18e1f71a468cb8983dabbc0afe8725ff4199e530c8
Fields: Minimum Purchase Transaction Fee Amount, Purchase Transaction Fee ($), Purchase Transaction Fee (%), Purchase Transaction Fee Calculation, Purchase Transaction Fee Type, Purchase Transaction Fees
Read exact source ↗

CFPB Good (620–719) and Great (720+) definitions ↗

History

dates on sources or when they were captured

Dec 31, 2025: Annual fee, Balance transfer APR, Balance transfer fee, Balance transfer terms, Card terms, Cash advance APR, Foreign transaction fee, Late payment fee, Other fee, Over limit fee, Purchase APR, Purchase transaction fee

Offered through: PNC Bank
Legal issuer: Not established by retained evidence
Regulator: FDIC certificate 6384
Branches: 2,420 in AL, AZ, CA, CO, DC, DE, FL, GA, IL, IN, KS, KY, MA, MD, MI, MO, NC, NJ, NM, NY, OH, PA, SC, TN, TX, VA, WI, WV
Sources: Government dataset · 8 documents · 0 pages cited

Documents

42061_pnc_agreement_SECURED_cc_k10556 (1)_Reffective date not parsed
Agreement-Secured-Credit-Card-6.75effective date not parsed
Agreement-Secured-Credit-Card CLEAN versioneffective date not parsed
Agreement-Secured-Credit-Card finaleffective date not parsed
Agreement-Secured-Credit-Card final 1_30effective date not parsed
Agreement-Secured-Credit-Card finaleffective date not parsed
Agreement-Secured-Credit-Card June Pricing_Reffective date not parsed
Pricing Information Addendum for PNC Bank Consumer Credit Card Agreement # K-10556effective date not parsed

Secured Credit CardPNC Bank · N bank, AL · FDIC 6384

Rates and fees