{"data":{"path":"rt-credit-union/visa-classic","artwork":null,"name":"VISA CLASSIC","officialName":"VISA CLASSIC","type":"credit_card","audience":"consumer","lifecycleStatus":"active","owner":{"name":"RT Credit Union","handle":"rt-credit-union"},"institution":{"name":"RT Credit Union","handle":"rt-credit-union"},"actualIssuerName":null,"standardOffer":{"id":"2423","offerKind":"standard","channel":null,"nameAsFiled":"VISA CLASSIC","handle":null,"terms":{"productId":"3607","path":"rt-credit-union/visa-classic","name":"VISA CLASSIC","officialName":"VISA CLASSIC","aliases":[],"institutionId":"73237","institutionName":"RT Credit Union","institutionHandle":"rt-credit-union","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":"unknown","balanceTransferIntroNullReason":"unknown","purchaseRateType":null,"variableRateIndex":null,"annualFeeAmountCents":null,"annualFeePercentBps":null,"annualFeeMinimumCents":null,"annualFeeNullReason":"unknown","purchaseTransactionFeeAmountCents":null,"purchaseTransactionFeePercentBps":null,"purchaseTransactionFeeMinimumCents":null,"purchaseTransactionFeeNullReason":"unknown","balanceTransferFeeAmountCents":null,"balanceTransferFeePercentBps":null,"balanceTransferFeeMinimumCents":null,"balanceTransferFeeNullReason":"unknown","cashAdvanceFeeAmountCents":null,"cashAdvanceFeePercentBps":null,"cashAdvanceFeeMinimumCents":null,"cashAdvanceFeeNullReason":"unknown","foreignTransactionFeeAmountCents":null,"foreignTransactionFeePercentBps":100,"foreignTransactionFeeMinimumCents":null,"foreignTransactionFeeNullReason":null,"latePaymentFeeAmountCents":null,"latePaymentFeePercentBps":null,"latePaymentFeeMinimumCents":null,"latePaymentFeeNullReason":"not_disclosed","overLimitFeeAmountCents":null,"overLimitFeePercentBps":null,"overLimitFeeMinimumCents":null,"overLimitFeeNullReason":"unknown","returnedPaymentFeeAmountCents":null,"returnedPaymentFeePercentBps":null,"returnedPaymentFeeMinimumCents":null,"returnedPaymentFeeNullReason":"unknown","otherFeeAmountCents":null,"otherFeePercentBps":null,"otherFeeMinimumCents":null,"otherFeeNullReason":"unknown","lateRepeatFeeAmountCents":null,"availabilityScope":null,"availabilityStateCodes":[],"availabilityCountyScoped":null,"requirementsForOpening":null,"requirementRouteTypes":[],"featureTokens":[],"consumerWebsite":null,"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":[],"cardTerms":null,"signupBonuses":[],"cardRewards":[],"cashBenefits":[],"cardLinks":[],"cardWithholdings":[{"observationKind":"card_offer","fieldKey":"disclosure:grace_period:purchase:page:1","reason":"unparsed_value","detail":"This agreement passage is retained verbatim. The pricing interpretation does not replace the complete card-terms declaration.","sources":[{"snapshotId":"49585","sourceKind":"official_issuer","publisherName":"RT","capturedAt":"2026-08-23T23:26:06.602Z","effectiveOn":"2026-08-23","effectiveOnBasis":"page_capture","statistic":null,"documentPath":null,"documentTitle":null,"publicUrl":null,"passageId":"171688793884d14f4782b8d4111b8bfa","pageNumber":1,"quote":"Your due date is at least 25 days after the close of each billing cycle. We will not charge you any interest on purchases if you pay your entire balance by the due date each month.","recordId":null,"recordFields":[],"fieldKey":"withheld:card_offer:disclosure:grace_period:purchase:page:1"}]},{"observationKind":"card_offer","fieldKey":"disclosure:grace_period:purchase:page:1","reason":"unparsed_value","detail":"This agreement passage is retained verbatim. The pricing interpretation does not replace the complete card-terms declaration.","sources":[{"snapshotId":"49583","sourceKind":"official_issuer","publisherName":"RT","capturedAt":"2026-08-23T23:26:06.602Z","effectiveOn":"2026-08-23","effectiveOnBasis":"page_capture","statistic":null,"documentPath":null,"documentTitle":null,"publicUrl":null,"passageId":"c4845a848e28eb3b0455418f0468a13c","pageNumber":1,"quote":"Your due date is at least 25 days after the close of each billing cycle. We will not charge you any interest on purchases if you pay your entire balance by the due date each month.","recordId":null,"recordFields":[],"fieldKey":"withheld:card_offer:disclosure:grace_period:purchase:page:1"}]},{"observationKind":"card_offer","fieldKey":"disclosure:grace_period:purchase:page:1","reason":"unparsed_value","detail":"This agreement passage is retained verbatim. The pricing interpretation does not replace the complete card-terms declaration.","sources":[{"snapshotId":"49587","sourceKind":"official_issuer","publisherName":"RT","capturedAt":"2026-08-23T23:26:06.602Z","effectiveOn":"2026-08-23","effectiveOnBasis":"page_capture","statistic":null,"documentPath":null,"documentTitle":null,"publicUrl":null,"passageId":"4178012fc8a16495af8b9b1f905740e4","pageNumber":1,"quote":"Your due date is at least 25 days after the close of each billing cycle. We will not charge you any interest on purchases if you pay your entire balance by the due date each month.","recordId":null,"recordFields":[],"fieldKey":"withheld:card_offer:disclosure:grace_period:purchase:page:1"}]},{"observationKind":"card_offer","fieldKey":"disclosure:grace_period:purchase:page:1","reason":"unparsed_value","detail":"This agreement passage is retained verbatim. The pricing interpretation does not replace the complete card-terms declaration.","sources":[{"snapshotId":"49588","sourceKind":"official_issuer","publisherName":"RT","capturedAt":"2026-08-23T23:26:06.602Z","effectiveOn":"2026-08-23","effectiveOnBasis":"page_capture","statistic":null,"documentPath":null,"documentTitle":null,"publicUrl":null,"passageId":"347211e1673bee53d797bdc626bd4105","pageNumber":1,"quote":"Your due date is at least 25 days after the close of each billing cycle. We will not charge you any interest on purchases if you pay your entire balance by the due date each month.","recordId":null,"recordFields":[],"fieldKey":"withheld:card_offer:disclosure:grace_period:purchase:page:1"}]}],"balanceTransferTerms":[],"loanTerms":null,"loanRateTiers":[],"rateDiscounts":[],"loanWithholdings":[]},"offers":[{"id":"2423","offerKind":"standard","channel":null,"nameAsFiled":"VISA CLASSIC","handle":null,"terms":{"productId":"3607","path":"rt-credit-union/visa-classic","name":"VISA CLASSIC","officialName":"VISA CLASSIC","aliases":[],"institutionId":"73237","institutionName":"RT Credit Union","institutionHandle":"rt-credit-union","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":"unknown","balanceTransferIntroNullReason":"unknown","purchaseRateType":null,"variableRateIndex":null,"annualFeeAmountCents":null,"annualFeePercentBps":null,"annualFeeMinimumCents":null,"annualFeeNullReason":"unknown","purchaseTransactionFeeAmountCents":null,"purchaseTransactionFeePercentBps":null,"purchaseTransactionFeeMinimumCents":null,"purchaseTransactionFeeNullReason":"unknown","balanceTransferFeeAmountCents":null,"balanceTransferFeePercentBps":null,"balanceTransferFeeMinimumCents":null,"balanceTransferFeeNullReason":"unknown","cashAdvanceFeeAmountCents":null,"cashAdvanceFeePercentBps":null,"cashAdvanceFeeMinimumCents":null,"cashAdvanceFeeNullReason":"unknown","foreignTransactionFeeAmountCents":null,"foreignTransactionFeePercentBps":100,"foreignTransactionFeeMinimumCents":null,"foreignTransactionFeeNullReason":null,"latePaymentFeeAmountCents":null,"latePaymentFeePercentBps":null,"latePaymentFeeMinimumCents":null,"latePaymentFeeNullReason":"not_disclosed","overLimitFeeAmountCents":null,"overLimitFeePercentBps":null,"overLimitFeeMinimumCents":null,"overLimitFeeNullReason":"unknown","returnedPaymentFeeAmountCents":null,"returnedPaymentFeePercentBps":null,"returnedPaymentFeeMinimumCents":null,"returnedPaymentFeeNullReason":"unknown","otherFeeAmountCents":null,"otherFeePercentBps":null,"otherFeeMinimumCents":null,"otherFeeNullReason":"unknown","lateRepeatFeeAmountCents":null,"availabilityScope":null,"availabilityStateCodes":[],"availabilityCountyScoped":null,"requirementsForOpening":null,"requirementRouteTypes":[],"featureTokens":[],"consumerWebsite":null,"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":[],"cardTerms":null,"signupBonuses":[],"cardRewards":[],"cashBenefits":[],"cardLinks":[],"cardWithholdings":[{"observationKind":"card_offer","fieldKey":"disclosure:grace_period:purchase:page:1","reason":"unparsed_value","detail":"This agreement passage is retained verbatim. The pricing interpretation does not replace the complete card-terms declaration.","sources":[{"snapshotId":"49585","sourceKind":"official_issuer","publisherName":"RT","capturedAt":"2026-08-23T23:26:06.602Z","effectiveOn":"2026-08-23","effectiveOnBasis":"page_capture","statistic":null,"documentPath":null,"documentTitle":null,"publicUrl":null,"passageId":"171688793884d14f4782b8d4111b8bfa","pageNumber":1,"quote":"Your due date is at least 25 days after the close of each billing cycle. We will not charge you any interest on purchases if you pay your entire balance by the due date each month.","recordId":null,"recordFields":[],"fieldKey":"withheld:card_offer:disclosure:grace_period:purchase:page:1"}]},{"observationKind":"card_offer","fieldKey":"disclosure:grace_period:purchase:page:1","reason":"unparsed_value","detail":"This agreement passage is retained verbatim. The pricing interpretation does not replace the complete card-terms declaration.","sources":[{"snapshotId":"49583","sourceKind":"official_issuer","publisherName":"RT","capturedAt":"2026-08-23T23:26:06.602Z","effectiveOn":"2026-08-23","effectiveOnBasis":"page_capture","statistic":null,"documentPath":null,"documentTitle":null,"publicUrl":null,"passageId":"c4845a848e28eb3b0455418f0468a13c","pageNumber":1,"quote":"Your due date is at least 25 days after the close of each billing cycle. We will not charge you any interest on purchases if you pay your entire balance by the due date each month.","recordId":null,"recordFields":[],"fieldKey":"withheld:card_offer:disclosure:grace_period:purchase:page:1"}]},{"observationKind":"card_offer","fieldKey":"disclosure:grace_period:purchase:page:1","reason":"unparsed_value","detail":"This agreement passage is retained verbatim. The pricing interpretation does not replace the complete card-terms declaration.","sources":[{"snapshotId":"49587","sourceKind":"official_issuer","publisherName":"RT","capturedAt":"2026-08-23T23:26:06.602Z","effectiveOn":"2026-08-23","effectiveOnBasis":"page_capture","statistic":null,"documentPath":null,"documentTitle":null,"publicUrl":null,"passageId":"4178012fc8a16495af8b9b1f905740e4","pageNumber":1,"quote":"Your due date is at least 25 days after the close of each billing cycle. We will not charge you any interest on purchases if you pay your entire balance by the due date each month.","recordId":null,"recordFields":[],"fieldKey":"withheld:card_offer:disclosure:grace_period:purchase:page:1"}]},{"observationKind":"card_offer","fieldKey":"disclosure:grace_period:purchase:page:1","reason":"unparsed_value","detail":"This agreement passage is retained verbatim. The pricing interpretation does not replace the complete card-terms declaration.","sources":[{"snapshotId":"49588","sourceKind":"official_issuer","publisherName":"RT","capturedAt":"2026-08-23T23:26:06.602Z","effectiveOn":"2026-08-23","effectiveOnBasis":"page_capture","statistic":null,"documentPath":null,"documentTitle":null,"publicUrl":null,"passageId":"347211e1673bee53d797bdc626bd4105","pageNumber":1,"quote":"Your due date is at least 25 days after the close of each billing cycle. We will not charge you any interest on purchases if you pay your entire balance by the due date each month.","recordId":null,"recordFields":[],"fieldKey":"withheld:card_offer:disclosure:grace_period:purchase:page:1"}]}],"balanceTransferTerms":[],"loanTerms":null,"loanRateTiers":[],"rateDiscounts":[],"loanWithholdings":[]}],"documents":[]}}