Terms of Credit Card Plans (TCCP) data dictionary
Field names in bold indicate a required field.
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 |