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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