Terms of Credit Card Plans (TCCP) data dictionary | Consumer Financial Protection Bureau

Card product name and other identifying information

Every card contains four introductory pieces of data:

Field name	Description	Field type	Valid values
Institution Name	Institution issuing the card	Text	Text
Issued by Top 25 Institution	If product is offered by one of the 25 largest issuers. Separate legal entities under a common holding company are counted as one issuer.	Text	True/False
Card Name	Unique marketing or brand named associated with a specific card product	Text	Text
Report Date	Date as of which data is accurate. The Survey collects data for the 6 months prior to this date.	Text	Date

Plan availability—card offering location

These fields describe the geographic availability of each card product.

Field name	Description	Field type	Valid values
Offering Location	Location in which the card is offered	Single response	National, Regional, or One State/Territory
Availability of Credit	Geographic availability of card product	Single response	National, Regional, or One State/Territory
State	If product is offered in a single state/territory	Single response	2-letter state identifier
State (Multiple)	If product is offered in multiple states or territories	Multiple response	2-letter state identifiers
Pertains to Specific Counties?	Whether or not a card product is only available in specific counties within a state(s)/territory	Single response	Yes/No

Plan availability—affiliation

These data points describe any requirements consumers must meet to be eligible for the card, like living in a certain state or being a member of a certain organization.

Field name	Description	Field type	Valid values
Requirements for Opening	Whether or not a card product has any geographic, professional affiliation, service member affiliation, or other similar requirements for account opening	Single response	Yes/No
Requirements for Opening Types	Which restrictions apply to the card product	Multiple response	Geographic Restrictions, Professional Affiliation, or Other. Please Describe:
Geographic Restrictions	Describes any geographic constraints on the card product’s availability	Text	Text
Professional Affiliation	Describes any professional affiliations consumers must have to be eligible for the card product	Text	Text
Service Member Affiliation	Describes any restrictions related to service member affiliation	Text	Text
Other	Describes any other availability restrictions on the card product	Text	Text

Plan availability—card type and credit tiers

These variables describe whether the card is secured by any other asset and the credit score tiers towards which the card is primarily targeted.

Field name	Description	Field type	Valid values
Secured Card	Whether or not the card product is backed by a cash deposit from the cardholder	Single selection	Yes/No
Targeted Credit Tiers	Credit tiers towards which the card product is primarily targeted	Multiple selection	No credit score; Credit score 619 or less; credit scores from 620 to 719, credit score of 720 or greater

Pricing—purchase APR (part 1)

This section covers how a card product’s Purchase APR may vary based on the balance incurred or other factors such as a rate index.

Field name	Description	Field type	Valid values
Purchase APR Offered?	Whether or not the card product offers a purchase APR	Single selection	Yes/No
Purchase APR Vary by Balance	Whether or not the card product's Purchase APR varies by the balance incurred	Single selection	Yes/No
Purchase APR Balance Tier 1	APR offered for first tier of the balance range	Numeric	Numeric (%)
Purchase APR Tier 1 From Balance	Lower bound of first tier balance range	Numeric	Numeric
Purchase APR Tier 1 To Balance	Upper bound of first tier balance range	Numeric	Numeric
Purchase APR Balance Tier 2	APR offered for second tier of the balance range	Numeric	Numeric (%)
Purchase APR Tier 2 From Balance	Lower bound of second tier balance range	Numeric	Numeric
Purchase APR Tier 2 To Balance	Upper bound of second tier balance range	Numeric	Numeric
Purchase APR Balance Tier 3	APR offered for third tier of the balance range	Numeric	Numeric (%)
Purchase APR Tier 3 From Balance	Lower bound of third tier balance range	Numeric	Numeric
Purchase APR Tier 3 To Balance	Upper bound of third tier balance range	Numeric	Numeric
Purchase APR Balance Tier 4	APR offered for fourth tier of the balance range	Numeric	Numeric (%)
Purchase APR Tier 4 From Balance	Lower bound of fourth tier balance range	Numeric	Numeric
Purchase APR Tier 4 To Balance	Upper bound of fourth tier balance range	Numeric	Numeric

Pricing—purchase APR (part 2)

Field name	Description	Field type	Valid values
Purchase APR Index	Whether or not the card’s purchase APR is tied to an underlying index	Single selection	Yes/No
Variable Rate Index	The underlying index to which the card’s purchase APR is tied	Single selection	Prime, One-month T-bill, Three-month T-bill, Six-month T-bill, One-year T-bill, Fed Funds, Cost of Funds, Federal Reserve Discount Rate, Other
Index	Indicates if the card product has a variable or fixed purchase APR	Single selection	V (Variable); F (Fixed)

Pricing—purchase APR (part 3)

Describes the range of Purchase APRs offered across all accounts.

Field name	Description	Field type	Valid values
Purchase APR Vary by Credit Tier	Whether or not the purchase APR varies depending on the consumer’s credit tier	Single selection	Yes/No
Purchase APR no score	Median Purchase APR at origination for consumers with no credit score	Numeric	Numeric (%)
Purchase APR poor	Median Purchase APR at origination for consumers with credit scores of 619 or less	Numeric	Numeric (%)
Purchase APR good	Median APR at origination for consumers with credit scores from 620-719	Numeric	Numeric (%)
Purchase APR great	Median APR at origination for consumers with credit scores of 720 or greater	Numeric	Numeric (%)
Purchase APR min	Lowest APR offered for all new accounts	Numeric	Numeric (%)
Purchase APR median	Median Purchase APR for all accounts if APR does not vary by creditworthiness	Numeric	Numeric (%)
Purchase APR max	Highest APR offered for all new accounts	Numeric	Numeric (%)

Pricing—introductory APR

Describes the rates and policies for introductory promotions on each card product.

Field name	Description	Field type	Valid values
Introductory APR Offered?	Whether or not a promotional introductory APR is offered to new customers	Single selection	Yes/No
Introductory APR Vary by Credit Tier	Whether or not the introductory APR varies by the consumer’s credit score	Single selection	Yes/No
Intro APR no score	Median Introductory APR at origination for consumers with no credit score	Numeric	Numeric (%)
Intro APR poor	Median Introductory APR at origination for consumers with credit scores of 619 or less	Numeric	Numeric (%)
Intro APR good	Median Introductory APR at origination for consumers with credit scores from 620-719	Numeric	Numeric (%)
Intro APR great	Median Introductory APR at origination for consumers with credit scores of 720 or greater	Numeric	Numeric (%)
Intro APR min	Minimum Introductory APR offered for all new accounts at the time of origination	Numeric	Numeric (%)
Intro APR median	Median Introductory APR offered for all new accounts at the time of origination if APR does not vary by creditworthiness	Numeric	Numeric (%)
Intro APR max	Highest Introductory APR offered for all new accounts at the time of origination	Numeric	Numeric (%)
Median Length of Introductory APR	Median length in months for which promotional introductory APR is offered	Numeric	Integer (months)

Pricing—balance transfer APR

Describes the temporary rate on existing credit card debt transferred to this card for a period time following account opening.

Field name	Description	Field type	Valid values
Balance Transfer Offered	Whether or not the card offers a temporary promotional Balance Transfer rate	Single selection	Yes/No
Balance Transfer APR Vary by Credit Tier	Whether or not Balance Transfer APR varies depending on the consumer’s credit score	Single selection	Yes/No
Transfer APR no score	Median Balance Transfer APR at origination for consumers with no credit score	Numeric	Numeric (%)
Transfer APR poor	Median Balance Transfer APR at origination for consumers with credit scores of 619 or less	Numeric	Numeric (%)
Transfer APR good	Median Balance Transfer APR at origination for consumers with credit scores from 620-719	Numeric	Numeric (%)
Transfer APR great	Median Balance Transfer APR at origination for consumers with credit scores of 720 or greater	Numeric	Numeric (%)
Transfer APR min	Minimum Balance Transfer APR offered for all new accounts	Numeric	Numeric (%)
Transfer APR median	Median Balance Transfer APR offered for all new accounts	Numeric	Numeric (%)
Transfer APR max	Highest Balance Transfer APR offered for all new accounts	Numeric	Numeric (%)
Median length of promotional Balance Transfer in Months	Median length for which the promotional balance transfer rate is available	Numeric	Numeric (# of months)
Balance Transfer Grace Period	Whether the issuer offers a grace period on new purchases while revolving a transferred balance during promotional period	Single selection	Yes/No

Pricing—cash advance APR

These variables describe the interest charged on any cash withdrawn from the credit card account.

Field name	Description	Field type	Valid values
Cash Advance APR Offered?	Whether or not the card product offers a Cash Advance APR	Single selection	Yes/No
Cash Advance APR vary by Tier	Amount of interest charged on any cash withdrawn from credit card account depending on credit score	Single selection	Yes/No
Advance APR no score	Median Cash Advance APR at origination for consumers with no credit score	Numeric	Numeric (%)
Advance APR poor	Median Cash Advance APR at origination for consumers with credit scores of 619 or less	Numeric	Numeric (%)
Advance APR good	Median Cash Advance APR at origination for consumers with credit scores from 620-719	Numeric	Numeric (%)
Advance APR great	Median Cash Advance APR at origination for consumers with credit scores of 720 or greater	Numeric	Numeric (%)
Advance APR min	Minimum Cash Advance APR offered at origination for all new accounts	Numeric	Numeric (%)
Advance APR median	Median Cash Advance APR offered at origination for all new accounts	Numeric	Numeric (%)
Advance APR max	Highest Cash Advance APR offered at origination for all new accounts	Numeric	Numeric (%)

Pricing—grace period

Refers to the grace period on the card, where interest does not accrue on the credit card account balance.

Field name	Description	Field type	Valid values
Grace Period Offered?	Whether or not there is a period of time where interest does not accrue on purchases	Single selection	Yes/No
Grace Period	Grace period length, in days	Numeric	Integer (# of days)

Minimum finance charge

Describes policies and any fee that credit card holders may have to pay if the interest that is due on an outstanding balance falls below a certain amount.

Field name	Description	Field type	Valid values
Minimum Finance Charge?	Whether or not there is a minimum interest payment required to avoid paying a fee	Single selection	Yes/No
Minimum Finance Charge (Dollars)	Dollar amount of interest required as a minimum finance charge	Numeric	Numeric ($)

Balance computation method

Describes the method for calculating the monthly credit card balance on the customer’s account.

Field name	Description	Field type	Valid values
Balance Computation Method	Way in which the credit card balance for customers is calculated	Multiple selection	Average daily balance including new purchases, average daily balance excluding new purchases, adjusted balance, previous balance, or Other
Balance Computation Method Details	Details of how a credit card balance is calculated if previous response was “Other”	Text	Text

Annual, monthly and weekly fees

Details of any periodic fees for the card product.

Field name	Description	Field type	Valid values
Periodic Fee Type	Type of periodic fee that is charged	Multiple selection	Annual, Monthly, Weekly, or Other
Annual Fee	Amount of fee that is charged every year	Numeric	Numeric ($)
Monthly Fee	Amount of fee that is charged every month	Numeric	Numeric ($)
Weekly Fee	Amount of fee that is charged every week	Numeric	Numeric ($)
Other Periodic Fee Name	Name of period fee if not already specified	Text	Text
Other Periodic Fee Amount	Amount of other periodic fee	Numeric	Numeric ($)
Other Periodic Fee Frequency	Cadence of other periodic fee	Text	Text
Fee Varies?	Whether or not the periodic fee varies	Single selection	Yes/No
Periodic min	Minimum amount of the periodic fee	Numeric	Numeric ($)
Periodic max	Maximum amount of the periodic fee	Numeric	Numeric ($)
Fee Explanation	Description of other periodic fee	Text	Text

Purchase transaction fees

Describes any fees that apply to all purchases on the card.

Field name	Description	Field type	Valid values
Purchase Transaction Fees	Whether or not there is a fee imposed after each purchase using the credit card	Single selection	Yes/No
Purchase Transaction Fee Type	Type of purchase transaction fee and further details of fee policies	Multiple selection	1. If a fee is charged in dollars, what is the amount? 2. If fee is a percentage of transaction amount, what is it? 3. If there's a minimum dollar amount, what is it? 4. If the fee is not a percentage, or a percentage subject to a dollar amount, how do you calculate the fee?
Purchase Transaction Fee ($)	Fee (dollar amount)	Numeric	Numeric ($)
Purchase Transaction Fee (%)	Fee (percentage)	Numeric	Numeric (%)
Minimum Purchase Transaction Fee	Minimum fee charged	Numeric	Numeric ($)
Purchase Transaction Fee Calculation	Description of how the purchase transaction fee is calculated	Text	Text

Balance transfer fees

Describes any fees that apply to transfers of existing credit card debt onto the account.

Field name	Description	Field type	Valid values
Balance Transfers Fee?	Whether or not there are fees for transferring existing credit card debt to this card product	Single selection	Yes/No
Balance Transfer Fee Types	Type of Balance Transfer Fee	Multiple selection	1. If a fee is charged in dollars, what is the amount? 2. If fee is a percentage of transaction amount, what is it? 3. If there's a minimum dollar amount, what is it? 4. If the fee is not a percentage, or a percentage subject to a dollar amount, how do you calculate the fee?
Balance Transfer Fee ($)	Fee (dollar amount)	Numeric	Numeric ($)
Balance Transfer Fee (%)	Fee (percentage)	Numeric	Numeric (%)
Minimum Balance Transfer Fee Amount	Minimum balance transfer fee charged based on calculation method	Numeric	Numeric ($)
Balance Transfer Fee Calculation	Description of how balance transfer fee is calculated	Text	Text

Cash advance fees

Describes any fees associated with cash advances on the card product’s credit line.

Field name	Description	Field type	Valid values
Cash Advance Fees?	Whether or not the issuer charges a fee when a customer utilizes their existing line of credit to receive a cash advance	Single selection	Yes/No
Cash Advance Fee For Each Transaction?	Whether or not the issuer charges a cash advance fee for each transaction	Single selection	Yes/No
Cash Advance Fee Types	Type of cash advance fee	Multiple selection	1. If a fee is charged in dollars, what is the amount? 2. If fee is a percentage of transaction amount, what is it? 3. If there's a minimum dollar amount, what is it? 4. If the fee is not a percentage, or a percentage subject to a dollar amount, how do you calculate the fee?
Cash Advance Fee ($)	Fee (dollar amount)	Numeric	Numeric ($)
Cash Advance Fee (%)	Fee (percentage)	Numeric	Numeric (%)
Minimum Cash Advance Fee Amount	Minimum cash advance fee charged	Numeric	Numeric ($)
Cash Advance Fee Calculation	How is the cash advance fee calculated?	Text	Text

Foreign transaction fees

Describes the fee policies that apply to transactions that take place overseas or with a foreign merchant.

Field name	Description	Field type	Valid values
Foreign Transaction Fees?	Whether or not there is a fee that applies to transactions that take place overseas or with a foreign merchant	Single selection	Yes/No
Foreign Transaction Fees Types	Type of foreign transaction fee	Multiple selection	1. If a fee is charged in dollars, what is the amount? 2. If fee is a percentage of transaction amount, what is it? 3. If there's a minimum dollar amount, what is it? 4. If the fee is not a percentage, or a percentage subject to a dollar amount, how do you calculate the fee?
Foreign Transaction Fee ($)	Fee (dollar amount)	Numeric	Numeric ($)
Foreign Transaction Fee (%)	Fee (percentage)	Numeric	Numeric (%)
Minimum Foreign Transaction Fee Amount	Minimum foreign transaction fee size	Numeric	Numeric ($)
Foreign Transaction Fee Calculation	How is the transaction fee calculated?	Text	Text

Late fees

These variables refer to fees charged by issuers for late payments.

Field name	Description	Field type	Valid values
Late Fees?	Whether or not the issuer charges a fee if a consumer does not make a payment by the due date	Single selection	Yes/No
Late Fee Types	Type of late fee policies	Multiple selection	1. What is the amount of the first late fee on the account? 2. What is the amount of late fees charged within six billing cycles of a previous late fee (repeat late fee)? 3. If you charge late fees that are not fixed dollar amounts, please explain your late fee policy here
Late Fee ($)	Fee (dollar amount) of the first late fee on the account not within six billing cycles of a previous late fee	Numeric	Numeric ($)
Late Fee Six Month Billing Cycle	The late fee that is charged within six billing cycles of a previous late fee	Numeric	Numeric ($)
Late Fee Policy Details	What are the details of the late fee policy of your institution?	Text	Text

Over-limit fees

These fields refer to the fees charged if the customer goes over their allotted credit limit.

Field name	Description	Field type	Valid values
Over Limit Fees?	Whether or not the card issuer charges a fee if a customer goes over the credit limit	Single selection	Yes/No
Over Limit Fee Types	Type of over limit fee policies	Multiple selection	1. What is the amount of the overlimit fee when charged? 2. If you charge overlimit fees that are not fixed dollar amounts, please explain what overlimit fees you charge here:
Over Limit Fee ($)	Fee (dollar amount)	Numeric	Numeric ($)
Over Limit Fee Detail	Details of other over limit fees that are not fixed dollar amounts	Text	Text

Additional fees

This section allows respondents to provide details on fees not covered in previous sections.

Field name	Description	Field type	Valid values
Additional Fees	Whether or not there is a fee that is not covered in earlier questions	Single selection	Yes/No
Other Fee Name	The name of the fee above; for issuers with multiple other fees, additional fee entries are listed as additional columns with a numeric indicator, e.g., Other Fee Name_2 for the second additional fee, Other Fee Name_3 for the third, etc.	Text	Text
Other Fee Amount	Amount charged for fee	Numeric	Numeric ($)
Other Fee Explanation	Written description of other fee not previously mentioned	Text	Text

Benefits

These fields outline the features and perks offered to cardholders.

Field name	Description	Field type	Valid values
Services	Services that are offered by the card issuer, through a card network, or by other partners	Multiple selection	Access to free Credit Scores; Automobile rental insurance; credit card registration; debt cancellation coverage; discounts on purchases of goods and services (non travel related); Extension on manufacturer's warranty; or Other
Other Services	Services not included in above	Text	Text
Rewards	Rewards that are offered by the card issuer, through a card network, or by other partners	Multiple selection	Cashback rewards; travel-related rewards; or Other rewards
Other Rewards	Rewards not included in above	Text	Text
Card Features	Features that are offered by the card issuer, through a card network, or by other partners	Multiple selection	Contactless payments; Chip card; Free foreign transactions; Mobile wallet provisioning; or Other
Other Card Features	Card features not included in above	Text	Text

Contact information

Resources for consumers seeking to contact their credit card company.

Field name	Description	Field type	Valid values
Contact Information Types	Ways in which consumers can inquire more information about the terms of the credit card	Text	Phone or website
Website for Consumer	Consumer facing website address	Text	Text (URL)
Telephone Number for Consumers	Telephone number for customer help	Numeric	Telephone number