{"data":{"path":"webbank/brightway-mastercard-credit-card","artwork":null,"name":"BrightWay® Mastercard® Credit Card","officialName":"BrightWay® Mastercard® Credit Card","type":"credit_card","audience":"consumer","lifecycleStatus":"active","owner":{"name":"WebBank","handle":"webbank"},"institution":{"name":"WebBank","handle":"webbank"},"actualIssuerName":null,"standardOffer":{"id":"1592","offerKind":"standard","channel":null,"nameAsFiled":"BrightWay® Mastercard® Credit Card","handle":null,"terms":{"productId":"2776","path":"webbank/brightway-mastercard-credit-card","name":"BrightWay® Mastercard® Credit Card","officialName":"BrightWay® Mastercard® Credit Card","aliases":[],"institutionId":"72308","institutionName":"WebBank","institutionHandle":"webbank","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":3599,"purchaseRegularNoScoreBps":null,"purchaseRegularPoorBps":null,"purchaseRegularGoodBps":null,"purchaseRegularGreatBps":null,"purchaseRegularMinBps":3599,"purchaseRegularMaxBps":3599,"purchaseIntroAllBps":null,"purchaseIntroNoScoreBps":null,"purchaseIntroPoorBps":null,"purchaseIntroGoodBps":null,"purchaseIntroGreatBps":null,"purchaseIntroMinBps":null,"purchaseIntroMaxBps":null,"balanceTransferRegularAllBps":3599,"balanceTransferRegularNoScoreBps":null,"balanceTransferRegularPoorBps":null,"balanceTransferRegularGoodBps":null,"balanceTransferRegularGreatBps":null,"balanceTransferRegularMinBps":3599,"balanceTransferRegularMaxBps":3599,"balanceTransferIntroAllBps":null,"balanceTransferIntroNoScoreBps":null,"balanceTransferIntroPoorBps":null,"balanceTransferIntroGoodBps":null,"balanceTransferIntroGreatBps":null,"balanceTransferIntroMinBps":null,"balanceTransferIntroMaxBps":null,"cashAdvanceRegularAllBps":3599,"cashAdvanceRegularNoScoreBps":null,"cashAdvanceRegularPoorBps":null,"cashAdvanceRegularGoodBps":null,"cashAdvanceRegularGreatBps":null,"cashAdvanceRegularMinBps":3599,"cashAdvanceRegularMaxBps":3599,"penaltyRegularAllBps":null,"penaltyRegularNoScoreBps":null,"penaltyRegularPoorBps":null,"penaltyRegularGoodBps":null,"penaltyRegularGreatBps":null,"penaltyRegularMinBps":null,"penaltyRegularMaxBps":null,"purchaseIntroDurationMonths":null,"balanceTransferIntroDurationMonths":null,"purchaseIntroNullReason":null,"balanceTransferIntroNullReason":null,"purchaseRateType":"fixed","variableRateIndex":null,"annualFeeAmountCents":null,"annualFeePercentBps":null,"annualFeeMinimumCents":null,"annualFeeNullReason":null,"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":null,"consumerTelephone":null,"loanMinimumAmountCents":null,"loanMaximumAmountCents":null,"loanMinimumTermMonths":null,"loanMaximumTermMonths":null,"loanCollateralType":null,"loanRateMinBps":null,"loanRateMaxBps":null,"loanPrepaymentPenalty":null,"sourceKinds":["official_issuer"],"sourceDocumentPath":"webbank/onemain-brightway-cardholder-agreement-amfgeneric-july-2025","sourceDocumentTitle":"OneMain BrightWay_Cardholder_Agreement_AMFgeneric July 2025","sourceDocumentPage":1,"offerCount":1,"minPurchaseAprBps":3599,"maxPurchaseAprBps":3599,"freshness":"current"},"aprTerms":[{"effectiveFrom":"2026-08-23","effectiveTo":null,"lastObservedAt":"2026-08-23T23:26:06.602Z","sources":[{"snapshotId":"48396","sourceKind":"official_issuer","publisherName":"WebBank","capturedAt":"2026-08-23T23:26:06.602Z","effectiveOn":"2026-08-23","effectiveOnBasis":"page_capture","statistic":"point","documentPath":"webbank/onemain-brightway-cardholder-agreement-amfgeneric-july-2025","documentTitle":"OneMain BrightWay_Cardholder_Agreement_AMFgeneric July 2025","publicUrl":null,"passageId":"ae638bb4adc8b5fe2c64ee4df6e075cf","pageNumber":1,"quote":"35.99%*","recordId":null,"recordFields":[],"fieldKey":"apr:balance_transfer:regular:all:0"}],"purpose":"balance_transfer","phase":"regular","creditTier":"all","balanceTier":0,"balanceFromCents":null,"balanceToCents":null,"rateType":"fixed","rateTypeNullReason":null,"minimumBps":3599,"minimumBpsNullReason":null,"medianBps":null,"medianBpsNullReason":"not_applicable","maximumBps":3599,"maximumBpsNullReason":null,"indexName":null,"marginBps":null,"marginMinimumBps":null,"marginMinimumBpsNullReason":"not_applicable","marginMaximumBps":null,"marginMaximumBpsNullReason":"not_disclosed","marginMaximumIsUpperBound":false,"dailyPeriodicRateMinimumPercent":null,"dailyPeriodicRateMinimumPercentNullReason":"not_disclosed","dailyPeriodicRateMaximumPercent":null,"dailyPeriodicRateMaximumPercentNullReason":"not_disclosed","dailyPeriodicRateMaximumIsUpperBound":false,"rateCapBps":null,"rateCapBpsNullReason":"not_disclosed","penaltyTriggers":[],"penaltyTriggerResolution":null,"penaltyDurationValue":null,"penaltyDurationUnit":null,"durationMonths":null,"durationDays":null,"durationBillingCycles":null,"durationBillingCyclesNullReason":null,"eligibilityConditions":null,"eligibilityConditionSources":[],"statistic":"point","metricSources":{"annual_apr":[{"snapshotId":"48396","sourceKind":"official_issuer","publisherName":"WebBank","capturedAt":"2026-08-23T23:26:06.602Z","effectiveOn":"2026-08-23","effectiveOnBasis":"page_capture","statistic":"point","documentPath":"webbank/onemain-brightway-cardholder-agreement-amfgeneric-july-2025","documentTitle":"OneMain BrightWay_Cardholder_Agreement_AMFgeneric July 2025","publicUrl":null,"passageId":"ae638bb4adc8b5fe2c64ee4df6e075cf","pageNumber":1,"quote":"35.99%*","recordId":null,"recordFields":[],"fieldKey":"apr:balance_transfer:regular:all:0"}],"daily_periodic_rate":[],"margin":[]}},{"effectiveFrom":"2026-08-23","effectiveTo":null,"lastObservedAt":"2026-08-23T23:26:06.602Z","sources":[{"snapshotId":"48396","sourceKind":"official_issuer","publisherName":"WebBank","capturedAt":"2026-08-23T23:26:06.602Z","effectiveOn":"2026-08-23","effectiveOnBasis":"page_capture","statistic":"point","documentPath":"webbank/onemain-brightway-cardholder-agreement-amfgeneric-july-2025","documentTitle":"OneMain BrightWay_Cardholder_Agreement_AMFgeneric July 2025","publicUrl":null,"passageId":"a0d03181cac47fc46795b7d7cf070ca1","pageNumber":1,"quote":"35.99%*","recordId":null,"recordFields":[],"fieldKey":"apr:cash_advance:regular:all:0"}],"purpose":"cash_advance","phase":"regular","creditTier":"all","balanceTier":0,"balanceFromCents":null,"balanceToCents":null,"rateType":"fixed","rateTypeNullReason":null,"minimumBps":3599,"minimumBpsNullReason":null,"medianBps":null,"medianBpsNullReason":"not_applicable","maximumBps":3599,"maximumBpsNullReason":null,"indexName":null,"marginBps":null,"marginMinimumBps":null,"marginMinimumBpsNullReason":"not_applicable","marginMaximumBps":null,"marginMaximumBpsNullReason":"not_disclosed","marginMaximumIsUpperBound":false,"dailyPeriodicRateMinimumPercent":null,"dailyPeriodicRateMinimumPercentNullReason":"not_disclosed","dailyPeriodicRateMaximumPercent":null,"dailyPeriodicRateMaximumPercentNullReason":"not_disclosed","dailyPeriodicRateMaximumIsUpperBound":false,"rateCapBps":null,"rateCapBpsNullReason":"not_disclosed","penaltyTriggers":[],"penaltyTriggerResolution":null,"penaltyDurationValue":null,"penaltyDurationUnit":null,"durationMonths":null,"durationDays":null,"durationBillingCycles":null,"durationBillingCyclesNullReason":null,"eligibilityConditions":null,"eligibilityConditionSources":[],"statistic":"point","metricSources":{"annual_apr":[{"snapshotId":"48396","sourceKind":"official_issuer","publisherName":"WebBank","capturedAt":"2026-08-23T23:26:06.602Z","effectiveOn":"2026-08-23","effectiveOnBasis":"page_capture","statistic":"point","documentPath":"webbank/onemain-brightway-cardholder-agreement-amfgeneric-july-2025","documentTitle":"OneMain BrightWay_Cardholder_Agreement_AMFgeneric July 2025","publicUrl":null,"passageId":"a0d03181cac47fc46795b7d7cf070ca1","pageNumber":1,"quote":"35.99%*","recordId":null,"recordFields":[],"fieldKey":"apr:cash_advance:regular:all:0"}],"daily_periodic_rate":[],"margin":[]}},{"effectiveFrom":"2026-08-23","effectiveTo":null,"lastObservedAt":"2026-08-23T23:26:06.602Z","sources":[{"snapshotId":"48396","sourceKind":"official_issuer","publisherName":"WebBank","capturedAt":"2026-08-23T23:26:06.602Z","effectiveOn":"2026-08-23","effectiveOnBasis":"page_capture","statistic":"point","documentPath":"webbank/onemain-brightway-cardholder-agreement-amfgeneric-july-2025","documentTitle":"OneMain BrightWay_Cardholder_Agreement_AMFgeneric July 2025","publicUrl":null,"passageId":"0c2b57ce84d632001c732aff14a3bf71","pageNumber":1,"quote":"35.99%*","recordId":null,"recordFields":[],"fieldKey":"apr:purchase:regular:all:0"}],"purpose":"purchase","phase":"regular","creditTier":"all","balanceTier":0,"balanceFromCents":null,"balanceToCents":null,"rateType":"fixed","rateTypeNullReason":null,"minimumBps":3599,"minimumBpsNullReason":null,"medianBps":null,"medianBpsNullReason":"not_applicable","maximumBps":3599,"maximumBpsNullReason":null,"indexName":null,"marginBps":null,"marginMinimumBps":null,"marginMinimumBpsNullReason":"not_applicable","marginMaximumBps":null,"marginMaximumBpsNullReason":"not_disclosed","marginMaximumIsUpperBound":false,"dailyPeriodicRateMinimumPercent":null,"dailyPeriodicRateMinimumPercentNullReason":"not_disclosed","dailyPeriodicRateMaximumPercent":null,"dailyPeriodicRateMaximumPercentNullReason":"not_disclosed","dailyPeriodicRateMaximumIsUpperBound":false,"rateCapBps":null,"rateCapBpsNullReason":"not_disclosed","penaltyTriggers":[],"penaltyTriggerResolution":null,"penaltyDurationValue":null,"penaltyDurationUnit":null,"durationMonths":null,"durationDays":null,"durationBillingCycles":null,"durationBillingCyclesNullReason":null,"eligibilityConditions":null,"eligibilityConditionSources":[],"statistic":"point","metricSources":{"annual_apr":[{"snapshotId":"48396","sourceKind":"official_issuer","publisherName":"WebBank","capturedAt":"2026-08-23T23:26:06.602Z","effectiveOn":"2026-08-23","effectiveOnBasis":"page_capture","statistic":"point","documentPath":"webbank/onemain-brightway-cardholder-agreement-amfgeneric-july-2025","documentTitle":"OneMain BrightWay_Cardholder_Agreement_AMFgeneric July 2025","publicUrl":null,"passageId":"0c2b57ce84d632001c732aff14a3bf71","pageNumber":1,"quote":"35.99%*","recordId":null,"recordFields":[],"fieldKey":"apr:purchase:regular:all:0"}],"daily_periodic_rate":[],"margin":[]}}],"fees":[],"cardTerms":null,"signupBonuses":[],"cardRewards":[],"cashBenefits":[],"cardLinks":[],"cardWithholdings":[{"observationKind":"card_offer","fieldKey":"disclosure:card_terms:minimum_finance_charge:page:6","reason":"unparsed_value","detail":"This agreement passage is retained verbatim. The pricing interpretation does not replace the complete card-terms declaration.","sources":[{"snapshotId":"48396","sourceKind":"official_issuer","publisherName":"WebBank","capturedAt":"2026-08-23T23:26:06.602Z","effectiveOn":"2026-08-23","effectiveOnBasis":"page_capture","statistic":null,"documentPath":"webbank/onemain-brightway-cardholder-agreement-amfgeneric-july-2025","documentTitle":"OneMain BrightWay_Cardholder_Agreement_AMFgeneric July 2025","publicUrl":null,"passageId":"03917fb8728ee9a31958c1e226700b2d","pageNumber":6,"quote":"D. Minimum Interest Charge. If there is a periodic interest charge computed in accordance with this Section 3 and it is less than $0.50 in any Billing Cycle, then we will charge a ' Minimum Interest Charge ' of $0.50 instead of interest for such Billing Cycle.","recordId":null,"recordFields":[],"fieldKey":"withheld:card_offer:disclosure:card_terms:minimum_finance_charge:page:6","qualifications":[]}]}],"balanceTransferTerms":[],"loanTerms":null,"loanRateTiers":[],"rateDiscounts":[],"loanWithholdings":[]},"offers":[{"id":"1592","offerKind":"standard","channel":null,"nameAsFiled":"BrightWay® Mastercard® Credit Card","handle":null,"terms":{"productId":"2776","path":"webbank/brightway-mastercard-credit-card","name":"BrightWay® Mastercard® Credit Card","officialName":"BrightWay® Mastercard® Credit Card","aliases":[],"institutionId":"72308","institutionName":"WebBank","institutionHandle":"webbank","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":3599,"purchaseRegularNoScoreBps":null,"purchaseRegularPoorBps":null,"purchaseRegularGoodBps":null,"purchaseRegularGreatBps":null,"purchaseRegularMinBps":3599,"purchaseRegularMaxBps":3599,"purchaseIntroAllBps":null,"purchaseIntroNoScoreBps":null,"purchaseIntroPoorBps":null,"purchaseIntroGoodBps":null,"purchaseIntroGreatBps":null,"purchaseIntroMinBps":null,"purchaseIntroMaxBps":null,"balanceTransferRegularAllBps":3599,"balanceTransferRegularNoScoreBps":null,"balanceTransferRegularPoorBps":null,"balanceTransferRegularGoodBps":null,"balanceTransferRegularGreatBps":null,"balanceTransferRegularMinBps":3599,"balanceTransferRegularMaxBps":3599,"balanceTransferIntroAllBps":null,"balanceTransferIntroNoScoreBps":null,"balanceTransferIntroPoorBps":null,"balanceTransferIntroGoodBps":null,"balanceTransferIntroGreatBps":null,"balanceTransferIntroMinBps":null,"balanceTransferIntroMaxBps":null,"cashAdvanceRegularAllBps":3599,"cashAdvanceRegularNoScoreBps":null,"cashAdvanceRegularPoorBps":null,"cashAdvanceRegularGoodBps":null,"cashAdvanceRegularGreatBps":null,"cashAdvanceRegularMinBps":3599,"cashAdvanceRegularMaxBps":3599,"penaltyRegularAllBps":null,"penaltyRegularNoScoreBps":null,"penaltyRegularPoorBps":null,"penaltyRegularGoodBps":null,"penaltyRegularGreatBps":null,"penaltyRegularMinBps":null,"penaltyRegularMaxBps":null,"purchaseIntroDurationMonths":null,"balanceTransferIntroDurationMonths":null,"purchaseIntroNullReason":null,"balanceTransferIntroNullReason":null,"purchaseRateType":"fixed","variableRateIndex":null,"annualFeeAmountCents":null,"annualFeePercentBps":null,"annualFeeMinimumCents":null,"annualFeeNullReason":null,"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":null,"consumerTelephone":null,"loanMinimumAmountCents":null,"loanMaximumAmountCents":null,"loanMinimumTermMonths":null,"loanMaximumTermMonths":null,"loanCollateralType":null,"loanRateMinBps":null,"loanRateMaxBps":null,"loanPrepaymentPenalty":null,"sourceKinds":["official_issuer"],"sourceDocumentPath":"webbank/onemain-brightway-cardholder-agreement-amfgeneric-july-2025","sourceDocumentTitle":"OneMain BrightWay_Cardholder_Agreement_AMFgeneric July 2025","sourceDocumentPage":1,"offerCount":1,"minPurchaseAprBps":3599,"maxPurchaseAprBps":3599,"freshness":"current"},"aprTerms":[{"effectiveFrom":"2026-08-23","effectiveTo":null,"lastObservedAt":"2026-08-23T23:26:06.602Z","sources":[{"snapshotId":"48396","sourceKind":"official_issuer","publisherName":"WebBank","capturedAt":"2026-08-23T23:26:06.602Z","effectiveOn":"2026-08-23","effectiveOnBasis":"page_capture","statistic":"point","documentPath":"webbank/onemain-brightway-cardholder-agreement-amfgeneric-july-2025","documentTitle":"OneMain BrightWay_Cardholder_Agreement_AMFgeneric July 2025","publicUrl":null,"passageId":"ae638bb4adc8b5fe2c64ee4df6e075cf","pageNumber":1,"quote":"35.99%*","recordId":null,"recordFields":[],"fieldKey":"apr:balance_transfer:regular:all:0"}],"purpose":"balance_transfer","phase":"regular","creditTier":"all","balanceTier":0,"balanceFromCents":null,"balanceToCents":null,"rateType":"fixed","rateTypeNullReason":null,"minimumBps":3599,"minimumBpsNullReason":null,"medianBps":null,"medianBpsNullReason":"not_applicable","maximumBps":3599,"maximumBpsNullReason":null,"indexName":null,"marginBps":null,"marginMinimumBps":null,"marginMinimumBpsNullReason":"not_applicable","marginMaximumBps":null,"marginMaximumBpsNullReason":"not_disclosed","marginMaximumIsUpperBound":false,"dailyPeriodicRateMinimumPercent":null,"dailyPeriodicRateMinimumPercentNullReason":"not_disclosed","dailyPeriodicRateMaximumPercent":null,"dailyPeriodicRateMaximumPercentNullReason":"not_disclosed","dailyPeriodicRateMaximumIsUpperBound":false,"rateCapBps":null,"rateCapBpsNullReason":"not_disclosed","penaltyTriggers":[],"penaltyTriggerResolution":null,"penaltyDurationValue":null,"penaltyDurationUnit":null,"durationMonths":null,"durationDays":null,"durationBillingCycles":null,"durationBillingCyclesNullReason":null,"eligibilityConditions":null,"eligibilityConditionSources":[],"statistic":"point","metricSources":{"annual_apr":[{"snapshotId":"48396","sourceKind":"official_issuer","publisherName":"WebBank","capturedAt":"2026-08-23T23:26:06.602Z","effectiveOn":"2026-08-23","effectiveOnBasis":"page_capture","statistic":"point","documentPath":"webbank/onemain-brightway-cardholder-agreement-amfgeneric-july-2025","documentTitle":"OneMain BrightWay_Cardholder_Agreement_AMFgeneric July 2025","publicUrl":null,"passageId":"ae638bb4adc8b5fe2c64ee4df6e075cf","pageNumber":1,"quote":"35.99%*","recordId":null,"recordFields":[],"fieldKey":"apr:balance_transfer:regular:all:0"}],"daily_periodic_rate":[],"margin":[]}},{"effectiveFrom":"2026-08-23","effectiveTo":null,"lastObservedAt":"2026-08-23T23:26:06.602Z","sources":[{"snapshotId":"48396","sourceKind":"official_issuer","publisherName":"WebBank","capturedAt":"2026-08-23T23:26:06.602Z","effectiveOn":"2026-08-23","effectiveOnBasis":"page_capture","statistic":"point","documentPath":"webbank/onemain-brightway-cardholder-agreement-amfgeneric-july-2025","documentTitle":"OneMain BrightWay_Cardholder_Agreement_AMFgeneric July 2025","publicUrl":null,"passageId":"a0d03181cac47fc46795b7d7cf070ca1","pageNumber":1,"quote":"35.99%*","recordId":null,"recordFields":[],"fieldKey":"apr:cash_advance:regular:all:0"}],"purpose":"cash_advance","phase":"regular","creditTier":"all","balanceTier":0,"balanceFromCents":null,"balanceToCents":null,"rateType":"fixed","rateTypeNullReason":null,"minimumBps":3599,"minimumBpsNullReason":null,"medianBps":null,"medianBpsNullReason":"not_applicable","maximumBps":3599,"maximumBpsNullReason":null,"indexName":null,"marginBps":null,"marginMinimumBps":null,"marginMinimumBpsNullReason":"not_applicable","marginMaximumBps":null,"marginMaximumBpsNullReason":"not_disclosed","marginMaximumIsUpperBound":false,"dailyPeriodicRateMinimumPercent":null,"dailyPeriodicRateMinimumPercentNullReason":"not_disclosed","dailyPeriodicRateMaximumPercent":null,"dailyPeriodicRateMaximumPercentNullReason":"not_disclosed","dailyPeriodicRateMaximumIsUpperBound":false,"rateCapBps":null,"rateCapBpsNullReason":"not_disclosed","penaltyTriggers":[],"penaltyTriggerResolution":null,"penaltyDurationValue":null,"penaltyDurationUnit":null,"durationMonths":null,"durationDays":null,"durationBillingCycles":null,"durationBillingCyclesNullReason":null,"eligibilityConditions":null,"eligibilityConditionSources":[],"statistic":"point","metricSources":{"annual_apr":[{"snapshotId":"48396","sourceKind":"official_issuer","publisherName":"WebBank","capturedAt":"2026-08-23T23:26:06.602Z","effectiveOn":"2026-08-23","effectiveOnBasis":"page_capture","statistic":"point","documentPath":"webbank/onemain-brightway-cardholder-agreement-amfgeneric-july-2025","documentTitle":"OneMain BrightWay_Cardholder_Agreement_AMFgeneric July 2025","publicUrl":null,"passageId":"a0d03181cac47fc46795b7d7cf070ca1","pageNumber":1,"quote":"35.99%*","recordId":null,"recordFields":[],"fieldKey":"apr:cash_advance:regular:all:0"}],"daily_periodic_rate":[],"margin":[]}},{"effectiveFrom":"2026-08-23","effectiveTo":null,"lastObservedAt":"2026-08-23T23:26:06.602Z","sources":[{"snapshotId":"48396","sourceKind":"official_issuer","publisherName":"WebBank","capturedAt":"2026-08-23T23:26:06.602Z","effectiveOn":"2026-08-23","effectiveOnBasis":"page_capture","statistic":"point","documentPath":"webbank/onemain-brightway-cardholder-agreement-amfgeneric-july-2025","documentTitle":"OneMain BrightWay_Cardholder_Agreement_AMFgeneric July 2025","publicUrl":null,"passageId":"0c2b57ce84d632001c732aff14a3bf71","pageNumber":1,"quote":"35.99%*","recordId":null,"recordFields":[],"fieldKey":"apr:purchase:regular:all:0"}],"purpose":"purchase","phase":"regular","creditTier":"all","balanceTier":0,"balanceFromCents":null,"balanceToCents":null,"rateType":"fixed","rateTypeNullReason":null,"minimumBps":3599,"minimumBpsNullReason":null,"medianBps":null,"medianBpsNullReason":"not_applicable","maximumBps":3599,"maximumBpsNullReason":null,"indexName":null,"marginBps":null,"marginMinimumBps":null,"marginMinimumBpsNullReason":"not_applicable","marginMaximumBps":null,"marginMaximumBpsNullReason":"not_disclosed","marginMaximumIsUpperBound":false,"dailyPeriodicRateMinimumPercent":null,"dailyPeriodicRateMinimumPercentNullReason":"not_disclosed","dailyPeriodicRateMaximumPercent":null,"dailyPeriodicRateMaximumPercentNullReason":"not_disclosed","dailyPeriodicRateMaximumIsUpperBound":false,"rateCapBps":null,"rateCapBpsNullReason":"not_disclosed","penaltyTriggers":[],"penaltyTriggerResolution":null,"penaltyDurationValue":null,"penaltyDurationUnit":null,"durationMonths":null,"durationDays":null,"durationBillingCycles":null,"durationBillingCyclesNullReason":null,"eligibilityConditions":null,"eligibilityConditionSources":[],"statistic":"point","metricSources":{"annual_apr":[{"snapshotId":"48396","sourceKind":"official_issuer","publisherName":"WebBank","capturedAt":"2026-08-23T23:26:06.602Z","effectiveOn":"2026-08-23","effectiveOnBasis":"page_capture","statistic":"point","documentPath":"webbank/onemain-brightway-cardholder-agreement-amfgeneric-july-2025","documentTitle":"OneMain BrightWay_Cardholder_Agreement_AMFgeneric July 2025","publicUrl":null,"passageId":"0c2b57ce84d632001c732aff14a3bf71","pageNumber":1,"quote":"35.99%*","recordId":null,"recordFields":[],"fieldKey":"apr:purchase:regular:all:0"}],"daily_periodic_rate":[],"margin":[]}}],"fees":[],"cardTerms":null,"signupBonuses":[],"cardRewards":[],"cashBenefits":[],"cardLinks":[],"cardWithholdings":[{"observationKind":"card_offer","fieldKey":"disclosure:card_terms:minimum_finance_charge:page:6","reason":"unparsed_value","detail":"This agreement passage is retained verbatim. The pricing interpretation does not replace the complete card-terms declaration.","sources":[{"snapshotId":"48396","sourceKind":"official_issuer","publisherName":"WebBank","capturedAt":"2026-08-23T23:26:06.602Z","effectiveOn":"2026-08-23","effectiveOnBasis":"page_capture","statistic":null,"documentPath":"webbank/onemain-brightway-cardholder-agreement-amfgeneric-july-2025","documentTitle":"OneMain BrightWay_Cardholder_Agreement_AMFgeneric July 2025","publicUrl":null,"passageId":"03917fb8728ee9a31958c1e226700b2d","pageNumber":6,"quote":"D. Minimum Interest Charge. If there is a periodic interest charge computed in accordance with this Section 3 and it is less than $0.50 in any Billing Cycle, then we will charge a ' Minimum Interest Charge ' of $0.50 instead of interest for such Billing Cycle.","recordId":null,"recordFields":[],"fieldKey":"withheld:card_offer:disclosure:card_terms:minimum_finance_charge:page:6","qualifications":[]}]}],"balanceTransferTerms":[],"loanTerms":null,"loanRateTiers":[],"rateDiscounts":[],"loanWithholdings":[]}],"documents":[{"snapshotId":"48396","path":"webbank/onemain-brightway-cardholder-agreement-amfgeneric-july-2025","title":"OneMain BrightWay_Cardholder_Agreement_AMFgeneric July 2025","documentType":"official_issuer_agreement","effectiveDate":null,"effectiveDateNullReason":"not_parsed","issuer":{"name":"WebBank","handle":"webbank"}}]}}