{"data":{"path":"commercial-savings-bank/platinum-cash-rewards","artwork":null,"name":"Platinum Cash Rewards","officialName":"Platinum Cash Rewards","type":"credit_card","audience":"consumer","lifecycleStatus":"active","owner":{"name":"Commercial Savings Bank","handle":"commercial-savings-bank"},"institution":{"name":"Commercial Savings Bank","handle":"commercial-savings-bank"},"actualIssuerName":null,"standardOffer":{"id":"752","offerKind":"standard","channel":null,"nameAsFiled":"Platinum Cash Rewards","handle":null,"terms":{"productId":"1935","path":"commercial-savings-bank/platinum-cash-rewards","name":"Platinum Cash Rewards","officialName":"Platinum Cash Rewards","aliases":[],"institutionId":"68719","institutionName":"Commercial Savings Bank","institutionHandle":"commercial-savings-bank","issuerName":null,"productType":"credit_card","audience":"consumer","audienceSegments":["consumer"],"lifecycleStatus":"active","offerKind":"standard","channel":null,"secured":null,"network":null,"targetedCreditTier":null,"gracePeriodDays":null,"minimumFinanceChargeCents":null,"balanceComputationMethod":null,"periodicFeeFrequency":null,"periodicFeeCents":null,"periodicFeeMinCents":null,"periodicFeeMaxCents":null,"purchaseRegularAllBps":null,"purchaseRegularNoScoreBps":null,"purchaseRegularPoorBps":null,"purchaseRegularGoodBps":null,"purchaseRegularGreatBps":null,"purchaseRegularMinBps":null,"purchaseRegularMaxBps":null,"purchaseIntroAllBps":null,"purchaseIntroNoScoreBps":null,"purchaseIntroPoorBps":null,"purchaseIntroGoodBps":null,"purchaseIntroGreatBps":null,"purchaseIntroMinBps":null,"purchaseIntroMaxBps":null,"balanceTransferRegularAllBps":null,"balanceTransferRegularNoScoreBps":null,"balanceTransferRegularPoorBps":null,"balanceTransferRegularGoodBps":null,"balanceTransferRegularGreatBps":null,"balanceTransferRegularMinBps":null,"balanceTransferRegularMaxBps":null,"balanceTransferIntroAllBps":null,"balanceTransferIntroNoScoreBps":null,"balanceTransferIntroPoorBps":null,"balanceTransferIntroGoodBps":null,"balanceTransferIntroGreatBps":null,"balanceTransferIntroMinBps":null,"balanceTransferIntroMaxBps":null,"cashAdvanceRegularAllBps":null,"cashAdvanceRegularNoScoreBps":null,"cashAdvanceRegularPoorBps":null,"cashAdvanceRegularGoodBps":null,"cashAdvanceRegularGreatBps":null,"cashAdvanceRegularMinBps":null,"cashAdvanceRegularMaxBps":null,"penaltyRegularAllBps":null,"penaltyRegularNoScoreBps":null,"penaltyRegularPoorBps":null,"penaltyRegularGoodBps":null,"penaltyRegularGreatBps":null,"penaltyRegularMinBps":null,"penaltyRegularMaxBps":null,"purchaseIntroDurationMonths":null,"balanceTransferIntroDurationMonths":null,"purchaseIntroNullReason":null,"balanceTransferIntroNullReason":null,"purchaseRateType":null,"variableRateIndex":null,"annualFeeAmountCents":null,"annualFeePercentBps":null,"annualFeeMinimumCents":null,"annualFeeNullReason":"not_disclosed","purchaseTransactionFeeAmountCents":null,"purchaseTransactionFeePercentBps":null,"purchaseTransactionFeeMinimumCents":null,"purchaseTransactionFeeNullReason":null,"balanceTransferFeeAmountCents":null,"balanceTransferFeePercentBps":null,"balanceTransferFeeMinimumCents":null,"balanceTransferFeeNullReason":null,"cashAdvanceFeeAmountCents":null,"cashAdvanceFeePercentBps":null,"cashAdvanceFeeMinimumCents":null,"cashAdvanceFeeNullReason":null,"foreignTransactionFeeAmountCents":null,"foreignTransactionFeePercentBps":null,"foreignTransactionFeeMinimumCents":null,"foreignTransactionFeeNullReason":null,"latePaymentFeeAmountCents":null,"latePaymentFeePercentBps":null,"latePaymentFeeMinimumCents":null,"latePaymentFeeNullReason":null,"overLimitFeeAmountCents":null,"overLimitFeePercentBps":null,"overLimitFeeMinimumCents":null,"overLimitFeeNullReason":null,"returnedPaymentFeeAmountCents":null,"returnedPaymentFeePercentBps":null,"returnedPaymentFeeMinimumCents":null,"returnedPaymentFeeNullReason":null,"otherFeeAmountCents":null,"otherFeePercentBps":null,"otherFeeMinimumCents":null,"otherFeeNullReason":null,"lateRepeatFeeAmountCents":null,"availabilityScope":null,"availabilityStateCodes":[],"availabilityCountyScoped":null,"requirementsForOpening":null,"requirementRouteTypes":[],"featureTokens":[],"consumerWebsite":"https://www.csbcarroll.com/personal/personal-credit-cards","consumerTelephone":null,"loanMinimumAmountCents":null,"loanMaximumAmountCents":null,"loanMinimumTermMonths":null,"loanMaximumTermMonths":null,"loanCollateralType":null,"loanRateMinBps":null,"loanRateMaxBps":null,"loanPrepaymentPenalty":null,"sourceKinds":["official_issuer"],"sourceDocumentPath":null,"sourceDocumentTitle":null,"sourceDocumentPage":null,"offerCount":1,"minPurchaseAprBps":null,"maxPurchaseAprBps":null,"freshness":"current"},"aprTerms":[],"fees":[{"effectiveFrom":"2026-10-03","effectiveTo":null,"lastObservedAt":"2026-10-03T21:49:23.386Z","sources":[{"snapshotId":"35377","sourceKind":"official_issuer","publisherName":"Commercial Savings Bank","capturedAt":"2026-10-03T21:49:23.386Z","effectiveOn":"2026-10-03","effectiveOnBasis":"page_capture","statistic":"point","documentPath":null,"documentTitle":null,"publicUrl":"https://www.csbcarroll.com/personal/personal-credit-cards","passageId":null,"pageNumber":null,"quote":null,"recordId":null,"recordFields":[],"fieldKey":"annual_fee"}],"feeType":"annual","feeFrequency":"annual","sequence":1,"name":null,"currencyCode":"USD","amountCents":null,"amountNullReason":"not_disclosed","percentBps":null,"percentNullReason":"not_applicable","minimumAmountCents":null,"maximumAmountCents":null,"maximumPercentBps":null,"maximumPercentNullReason":"not_applicable","feeScope":"account","calculation":null,"explanation":null}],"cardTerms":{"effectiveFrom":"2026-10-03","effectiveTo":null,"lastObservedAt":"2026-10-03T21:49:23.386Z","sources":[{"snapshotId":"35377","sourceKind":"official_issuer","publisherName":"Commercial Savings Bank","capturedAt":"2026-10-03T21:49:23.386Z","effectiveOn":"2026-10-03","effectiveOnBasis":"page_capture","statistic":"point","documentPath":null,"documentTitle":null,"publicUrl":"https://www.csbcarroll.com/personal/personal-credit-cards","passageId":"b7f1df38f04294c38a766ef92e00e16f","pageNumber":null,"quote":"Platinum Cash Rewards","recordId":"official-issuer:page:url:dd1f554e6f19c74128299d86923546ea83920e912882e227373d8a47f484d82c","recordFields":[],"fieldKey":"consumer_website"}],"securityType":null,"securityTypeNullReason":"not_disclosed","currencyCode":"USD","targetedCreditTier":null,"gracePeriodDays":null,"gracePeriodDaysNullReason":"not_disclosed","gracePeriodMinDays":null,"gracePeriodMinDaysNullReason":"not_disclosed","gracePeriodMaxDays":null,"gracePeriodMaxDaysNullReason":"not_disclosed","minimumFinanceChargeCents":null,"balanceComputationMethod":null,"rateCapBps":null,"rateCapBpsNullReason":"not_disclosed","purchaseInterestConditions":null,"purchaseInterestConditionsNullReason":"not_disclosed","balanceTransferFlexAvailabilityConditions":null,"balanceTransferFlexAvailabilityConditionsNullReason":"not_disclosed","periodicFeeFrequency":null,"foreignTransactionsFeeFree":null,"network":null,"requirementsForOpening":null,"minimumCreditLimitCents":null,"maximumCreditLimitCents":null,"consumerWebsite":"https://www.csbcarroll.com/personal/personal-credit-cards","consumerTelephone":null},"signupBonuses":[],"cardRewards":[],"cashBenefits":[],"cardLinks":[{"effectiveFrom":"2026-10-03","effectiveTo":null,"lastObservedAt":"2026-10-03T21:49:23.386Z","sources":[{"snapshotId":"35377","sourceKind":"official_issuer","publisherName":"Commercial Savings Bank","capturedAt":"2026-10-03T21:49:23.386Z","effectiveOn":"2026-10-03","effectiveOnBasis":"page_capture","statistic":"term","documentPath":null,"documentTitle":null,"publicUrl":"https://www.csbcarroll.com/personal/personal-credit-cards","passageId":"8cd1c2d261b1e9148dd7f45fbb6bc3e0","pageNumber":null,"quote":"Personal Credit Card Application","recordId":"official-issuer:page:url:dd1f554e6f19c74128299d86923546ea83920e912882e227373d8a47f484d82c","recordFields":[],"fieldKey":"card_link"}],"linkKind":"application","url":"https://lp.applycommunitycard.com/?merchantId=U0Z86CY5V5","label":"Personal Credit Card Application"}],"cardWithholdings":[{"observationKind":"card_reward","fieldKey":"own-card-benefits","reason":"unparsed_value","detail":"The own card description names reward benefits without an earning quantity or cash/point conversion.","sources":[{"snapshotId":"35377","sourceKind":"official_issuer","publisherName":"Commercial Savings Bank","capturedAt":"2026-10-03T21:49:23.386Z","effectiveOn":"2026-10-03","effectiveOnBasis":"page_capture","statistic":null,"documentPath":null,"documentTitle":null,"publicUrl":"https://www.csbcarroll.com/personal/personal-credit-cards","passageId":"2476c3a095987da63a62746f7c0fb85f","pageNumber":null,"quote":"Let all those purchases work for you, with a cash-back rewards card!","recordId":"official-issuer:page:url:dd1f554e6f19c74128299d86923546ea83920e912882e227373d8a47f484d82c","recordFields":[],"fieldKey":"withheld:card_reward:own-card-benefits"}]},{"observationKind":"card_offer","fieldKey":"historical-tib-cards","reason":"unparsed_value","detail":"TIB-issued cards are explicitly dated April2018–June2026; this does not establish the current card’s legal issuer or reward program.","sources":[{"snapshotId":"35377","sourceKind":"official_issuer","publisherName":"Commercial Savings Bank","capturedAt":"2026-10-03T21:49:23.386Z","effectiveOn":"2026-10-03","effectiveOnBasis":"page_capture","statistic":null,"documentPath":null,"documentTitle":null,"publicUrl":"https://www.csbcarroll.com/personal/personal-credit-cards","passageId":"a5396089add4c728bbb353fe213d213e","pageNumber":null,"quote":"For Cards Issued with TIB Bank from 4/1/2018 - 6/30/2026","recordId":"official-issuer:page:url:dd1f554e6f19c74128299d86923546ea83920e912882e227373d8a47f484d82c","recordFields":[],"fieldKey":"withheld:card_offer:historical-tib-cards"}]},{"observationKind":"card_offer","fieldKey":"historical-umb-cards","reason":"unparsed_value","detail":"UMB-issued cards are explicitly earlier than April2018; historical account/program routes are not current applications or issuer evidence.","sources":[{"snapshotId":"35377","sourceKind":"official_issuer","publisherName":"Commercial Savings Bank","capturedAt":"2026-10-03T21:49:23.386Z","effectiveOn":"2026-10-03","effectiveOnBasis":"page_capture","statistic":null,"documentPath":null,"documentTitle":null,"publicUrl":"https://www.csbcarroll.com/personal/personal-credit-cards","passageId":"7a767634e29e8dea3f64f75561961ef9","pageNumber":null,"quote":"For Cards Issued with UMB Bank Prior to 4/1/2018","recordId":"official-issuer:page:url:dd1f554e6f19c74128299d86923546ea83920e912882e227373d8a47f484d82c","recordFields":[],"fieldKey":"withheld:card_offer:historical-umb-cards"}]}],"balanceTransferTerms":[{"effectiveFrom":"2026-10-03","effectiveTo":null,"lastObservedAt":"2026-10-03T21:49:23.386Z","sources":[{"snapshotId":"35377","sourceKind":"official_issuer","publisherName":"Commercial Savings Bank","capturedAt":"2026-10-03T21:49:23.386Z","effectiveOn":"2026-10-03","effectiveOnBasis":"page_capture","statistic":"point","documentPath":null,"documentTitle":null,"publicUrl":"https://www.csbcarroll.com/personal/personal-credit-cards","passageId":null,"pageNumber":null,"quote":null,"recordId":null,"recordFields":[],"fieldKey":"balance_transfer"}],"transferKey":"standard","transferMethod":null,"transferDeadlineDate":null,"transferDeadlineDaysAfterAccountOpen":null,"gracePeriodOffered":null,"settlementDaysMin":null,"settlementDaysMax":null,"currencyCode":"USD","maximumAmountCents":null,"maximumPercentOfLimitBps":null,"directToCreditor":null}],"loanTerms":null,"loanRateTiers":[],"rateDiscounts":[],"loanWithholdings":[]},"offers":[{"id":"752","offerKind":"standard","channel":null,"nameAsFiled":"Platinum Cash Rewards","handle":null,"terms":{"productId":"1935","path":"commercial-savings-bank/platinum-cash-rewards","name":"Platinum Cash Rewards","officialName":"Platinum Cash Rewards","aliases":[],"institutionId":"68719","institutionName":"Commercial Savings Bank","institutionHandle":"commercial-savings-bank","issuerName":null,"productType":"credit_card","audience":"consumer","audienceSegments":["consumer"],"lifecycleStatus":"active","offerKind":"standard","channel":null,"secured":null,"network":null,"targetedCreditTier":null,"gracePeriodDays":null,"minimumFinanceChargeCents":null,"balanceComputationMethod":null,"periodicFeeFrequency":null,"periodicFeeCents":null,"periodicFeeMinCents":null,"periodicFeeMaxCents":null,"purchaseRegularAllBps":null,"purchaseRegularNoScoreBps":null,"purchaseRegularPoorBps":null,"purchaseRegularGoodBps":null,"purchaseRegularGreatBps":null,"purchaseRegularMinBps":null,"purchaseRegularMaxBps":null,"purchaseIntroAllBps":null,"purchaseIntroNoScoreBps":null,"purchaseIntroPoorBps":null,"purchaseIntroGoodBps":null,"purchaseIntroGreatBps":null,"purchaseIntroMinBps":null,"purchaseIntroMaxBps":null,"balanceTransferRegularAllBps":null,"balanceTransferRegularNoScoreBps":null,"balanceTransferRegularPoorBps":null,"balanceTransferRegularGoodBps":null,"balanceTransferRegularGreatBps":null,"balanceTransferRegularMinBps":null,"balanceTransferRegularMaxBps":null,"balanceTransferIntroAllBps":null,"balanceTransferIntroNoScoreBps":null,"balanceTransferIntroPoorBps":null,"balanceTransferIntroGoodBps":null,"balanceTransferIntroGreatBps":null,"balanceTransferIntroMinBps":null,"balanceTransferIntroMaxBps":null,"cashAdvanceRegularAllBps":null,"cashAdvanceRegularNoScoreBps":null,"cashAdvanceRegularPoorBps":null,"cashAdvanceRegularGoodBps":null,"cashAdvanceRegularGreatBps":null,"cashAdvanceRegularMinBps":null,"cashAdvanceRegularMaxBps":null,"penaltyRegularAllBps":null,"penaltyRegularNoScoreBps":null,"penaltyRegularPoorBps":null,"penaltyRegularGoodBps":null,"penaltyRegularGreatBps":null,"penaltyRegularMinBps":null,"penaltyRegularMaxBps":null,"purchaseIntroDurationMonths":null,"balanceTransferIntroDurationMonths":null,"purchaseIntroNullReason":null,"balanceTransferIntroNullReason":null,"purchaseRateType":null,"variableRateIndex":null,"annualFeeAmountCents":null,"annualFeePercentBps":null,"annualFeeMinimumCents":null,"annualFeeNullReason":"not_disclosed","purchaseTransactionFeeAmountCents":null,"purchaseTransactionFeePercentBps":null,"purchaseTransactionFeeMinimumCents":null,"purchaseTransactionFeeNullReason":null,"balanceTransferFeeAmountCents":null,"balanceTransferFeePercentBps":null,"balanceTransferFeeMinimumCents":null,"balanceTransferFeeNullReason":null,"cashAdvanceFeeAmountCents":null,"cashAdvanceFeePercentBps":null,"cashAdvanceFeeMinimumCents":null,"cashAdvanceFeeNullReason":null,"foreignTransactionFeeAmountCents":null,"foreignTransactionFeePercentBps":null,"foreignTransactionFeeMinimumCents":null,"foreignTransactionFeeNullReason":null,"latePaymentFeeAmountCents":null,"latePaymentFeePercentBps":null,"latePaymentFeeMinimumCents":null,"latePaymentFeeNullReason":null,"overLimitFeeAmountCents":null,"overLimitFeePercentBps":null,"overLimitFeeMinimumCents":null,"overLimitFeeNullReason":null,"returnedPaymentFeeAmountCents":null,"returnedPaymentFeePercentBps":null,"returnedPaymentFeeMinimumCents":null,"returnedPaymentFeeNullReason":null,"otherFeeAmountCents":null,"otherFeePercentBps":null,"otherFeeMinimumCents":null,"otherFeeNullReason":null,"lateRepeatFeeAmountCents":null,"availabilityScope":null,"availabilityStateCodes":[],"availabilityCountyScoped":null,"requirementsForOpening":null,"requirementRouteTypes":[],"featureTokens":[],"consumerWebsite":"https://www.csbcarroll.com/personal/personal-credit-cards","consumerTelephone":null,"loanMinimumAmountCents":null,"loanMaximumAmountCents":null,"loanMinimumTermMonths":null,"loanMaximumTermMonths":null,"loanCollateralType":null,"loanRateMinBps":null,"loanRateMaxBps":null,"loanPrepaymentPenalty":null,"sourceKinds":["official_issuer"],"sourceDocumentPath":null,"sourceDocumentTitle":null,"sourceDocumentPage":null,"offerCount":1,"minPurchaseAprBps":null,"maxPurchaseAprBps":null,"freshness":"current"},"aprTerms":[],"fees":[{"effectiveFrom":"2026-10-03","effectiveTo":null,"lastObservedAt":"2026-10-03T21:49:23.386Z","sources":[{"snapshotId":"35377","sourceKind":"official_issuer","publisherName":"Commercial Savings Bank","capturedAt":"2026-10-03T21:49:23.386Z","effectiveOn":"2026-10-03","effectiveOnBasis":"page_capture","statistic":"point","documentPath":null,"documentTitle":null,"publicUrl":"https://www.csbcarroll.com/personal/personal-credit-cards","passageId":null,"pageNumber":null,"quote":null,"recordId":null,"recordFields":[],"fieldKey":"annual_fee"}],"feeType":"annual","feeFrequency":"annual","sequence":1,"name":null,"currencyCode":"USD","amountCents":null,"amountNullReason":"not_disclosed","percentBps":null,"percentNullReason":"not_applicable","minimumAmountCents":null,"maximumAmountCents":null,"maximumPercentBps":null,"maximumPercentNullReason":"not_applicable","feeScope":"account","calculation":null,"explanation":null}],"cardTerms":{"effectiveFrom":"2026-10-03","effectiveTo":null,"lastObservedAt":"2026-10-03T21:49:23.386Z","sources":[{"snapshotId":"35377","sourceKind":"official_issuer","publisherName":"Commercial Savings Bank","capturedAt":"2026-10-03T21:49:23.386Z","effectiveOn":"2026-10-03","effectiveOnBasis":"page_capture","statistic":"point","documentPath":null,"documentTitle":null,"publicUrl":"https://www.csbcarroll.com/personal/personal-credit-cards","passageId":"b7f1df38f04294c38a766ef92e00e16f","pageNumber":null,"quote":"Platinum Cash Rewards","recordId":"official-issuer:page:url:dd1f554e6f19c74128299d86923546ea83920e912882e227373d8a47f484d82c","recordFields":[],"fieldKey":"consumer_website"}],"securityType":null,"securityTypeNullReason":"not_disclosed","currencyCode":"USD","targetedCreditTier":null,"gracePeriodDays":null,"gracePeriodDaysNullReason":"not_disclosed","gracePeriodMinDays":null,"gracePeriodMinDaysNullReason":"not_disclosed","gracePeriodMaxDays":null,"gracePeriodMaxDaysNullReason":"not_disclosed","minimumFinanceChargeCents":null,"balanceComputationMethod":null,"rateCapBps":null,"rateCapBpsNullReason":"not_disclosed","purchaseInterestConditions":null,"purchaseInterestConditionsNullReason":"not_disclosed","balanceTransferFlexAvailabilityConditions":null,"balanceTransferFlexAvailabilityConditionsNullReason":"not_disclosed","periodicFeeFrequency":null,"foreignTransactionsFeeFree":null,"network":null,"requirementsForOpening":null,"minimumCreditLimitCents":null,"maximumCreditLimitCents":null,"consumerWebsite":"https://www.csbcarroll.com/personal/personal-credit-cards","consumerTelephone":null},"signupBonuses":[],"cardRewards":[],"cashBenefits":[],"cardLinks":[{"effectiveFrom":"2026-10-03","effectiveTo":null,"lastObservedAt":"2026-10-03T21:49:23.386Z","sources":[{"snapshotId":"35377","sourceKind":"official_issuer","publisherName":"Commercial Savings Bank","capturedAt":"2026-10-03T21:49:23.386Z","effectiveOn":"2026-10-03","effectiveOnBasis":"page_capture","statistic":"term","documentPath":null,"documentTitle":null,"publicUrl":"https://www.csbcarroll.com/personal/personal-credit-cards","passageId":"8cd1c2d261b1e9148dd7f45fbb6bc3e0","pageNumber":null,"quote":"Personal Credit Card Application","recordId":"official-issuer:page:url:dd1f554e6f19c74128299d86923546ea83920e912882e227373d8a47f484d82c","recordFields":[],"fieldKey":"card_link"}],"linkKind":"application","url":"https://lp.applycommunitycard.com/?merchantId=U0Z86CY5V5","label":"Personal Credit Card Application"}],"cardWithholdings":[{"observationKind":"card_reward","fieldKey":"own-card-benefits","reason":"unparsed_value","detail":"The own card description names reward benefits without an earning quantity or cash/point conversion.","sources":[{"snapshotId":"35377","sourceKind":"official_issuer","publisherName":"Commercial Savings Bank","capturedAt":"2026-10-03T21:49:23.386Z","effectiveOn":"2026-10-03","effectiveOnBasis":"page_capture","statistic":null,"documentPath":null,"documentTitle":null,"publicUrl":"https://www.csbcarroll.com/personal/personal-credit-cards","passageId":"2476c3a095987da63a62746f7c0fb85f","pageNumber":null,"quote":"Let all those purchases work for you, with a cash-back rewards card!","recordId":"official-issuer:page:url:dd1f554e6f19c74128299d86923546ea83920e912882e227373d8a47f484d82c","recordFields":[],"fieldKey":"withheld:card_reward:own-card-benefits"}]},{"observationKind":"card_offer","fieldKey":"historical-tib-cards","reason":"unparsed_value","detail":"TIB-issued cards are explicitly dated April2018–June2026; this does not establish the current card’s legal issuer or reward program.","sources":[{"snapshotId":"35377","sourceKind":"official_issuer","publisherName":"Commercial Savings Bank","capturedAt":"2026-10-03T21:49:23.386Z","effectiveOn":"2026-10-03","effectiveOnBasis":"page_capture","statistic":null,"documentPath":null,"documentTitle":null,"publicUrl":"https://www.csbcarroll.com/personal/personal-credit-cards","passageId":"a5396089add4c728bbb353fe213d213e","pageNumber":null,"quote":"For Cards Issued with TIB Bank from 4/1/2018 - 6/30/2026","recordId":"official-issuer:page:url:dd1f554e6f19c74128299d86923546ea83920e912882e227373d8a47f484d82c","recordFields":[],"fieldKey":"withheld:card_offer:historical-tib-cards"}]},{"observationKind":"card_offer","fieldKey":"historical-umb-cards","reason":"unparsed_value","detail":"UMB-issued cards are explicitly earlier than April2018; historical account/program routes are not current applications or issuer evidence.","sources":[{"snapshotId":"35377","sourceKind":"official_issuer","publisherName":"Commercial Savings Bank","capturedAt":"2026-10-03T21:49:23.386Z","effectiveOn":"2026-10-03","effectiveOnBasis":"page_capture","statistic":null,"documentPath":null,"documentTitle":null,"publicUrl":"https://www.csbcarroll.com/personal/personal-credit-cards","passageId":"7a767634e29e8dea3f64f75561961ef9","pageNumber":null,"quote":"For Cards Issued with UMB Bank Prior to 4/1/2018","recordId":"official-issuer:page:url:dd1f554e6f19c74128299d86923546ea83920e912882e227373d8a47f484d82c","recordFields":[],"fieldKey":"withheld:card_offer:historical-umb-cards"}]}],"balanceTransferTerms":[{"effectiveFrom":"2026-10-03","effectiveTo":null,"lastObservedAt":"2026-10-03T21:49:23.386Z","sources":[{"snapshotId":"35377","sourceKind":"official_issuer","publisherName":"Commercial Savings Bank","capturedAt":"2026-10-03T21:49:23.386Z","effectiveOn":"2026-10-03","effectiveOnBasis":"page_capture","statistic":"point","documentPath":null,"documentTitle":null,"publicUrl":"https://www.csbcarroll.com/personal/personal-credit-cards","passageId":null,"pageNumber":null,"quote":null,"recordId":null,"recordFields":[],"fieldKey":"balance_transfer"}],"transferKey":"standard","transferMethod":null,"transferDeadlineDate":null,"transferDeadlineDaysAfterAccountOpen":null,"gracePeriodOffered":null,"settlementDaysMin":null,"settlementDaysMax":null,"currencyCode":"USD","maximumAmountCents":null,"maximumPercentOfLimitBps":null,"directToCreditor":null}],"loanTerms":null,"loanRateTiers":[],"rateDiscounts":[],"loanWithholdings":[]}],"documents":[]}}