Disclosure boxes are present on credit card applications. Further disclosure need to be on Credit Card statements.
APR that is adjusted for fees. Junk fees such as late fee, over the limit fee, atm fee, etc all add to the APR or cost of money borrowed.
Anther addition to the Credit Card Statement Disclosure Box should be time to payoff the credit card loan based on the minimum payment.
The schedule to make a debt go to zero should be made clear. If the minimum payment allows the borrower to pay infinitely, the borrower needs to know.
If you'd like a Credit Card Statement Disclosure Box, email problems at credit card.org and we can help you make those calculation and get on a path to being debt free.