Zale Account Agreement

On the record for Zale Account Agreement: a 35.99% purchase APR, filed by Bank of Missouri, the. The purchase rate sits at roughly the 97th percentile of the 4,587 agreements indexed here.

The disclosed terms

Bank of Missouri, the submitted the terms for Zale Account Agreement to the CFPB's agreement database; this is what they contain. The filing runs 12 pages.

The disclosure covers a purchase rate, a late payment maximum and a grace period. No figure appears for a cash advance rate, a balance transfer rate and a penalty rate.

Parsing confidence here is medium, so treat the figures as indicative of the filing rather than a substitute for it.

The purchase rate in context

Measured against every other filing on the site, 35.99% is about the 97th percentile for purchase APR; it ranks among the most expensive figures in the whole collection.

What a balance actually costs

A $4,000 balance left untouched for twelve months accrues about $1,732 in interest at this purchase rate.

A card priced at the corpus median of 21.99% would charge roughly $983 on that balance. This one charges about $748 more per year.

These figures are arithmetic on the disclosed rate, not a quote: they assume the balance is never reduced, ignore any payments, and take no account of fees charged separately.

Penalty pricing and late fees

The maximum late fee is $41 — roughly the 89th percentile of the late fee ceilings disclosed across this index.

Paying in full

The filing gives 25 days' grace on purchases, meaning a statement balance paid in full within that window attracts no interest. That matches the 25-day median across the corpus almost exactly.

Inside Bank of Missouri, the's filed lineup

120 separate Bank of Missouri, the filings appear in the corpus. Their disclosed purchase rates run from 24.9% to 36%, and this one at 35.99% is more expensive than 99 of them.

What the filing does not tell you

Absent from the captured terms: anything about cash advances, balance transfer terms, an annual fee and a foreign transaction fee. The original document is the place to look for any of these.

What this analysis can address is bounded by the filing: rates, fees and the terms around them. Everything a card issuer might advertise — rewards, benefits, bonuses, who qualifies — falls outside the document and outside this review.

The document itself

The original filing, 12 pages long, is linked on this page and should be read before any figure here is acted on. It is also a snapshot: issuers refile as terms change.

In short

35.99% on purchases is the number that dominates this agreement. Paid in full each cycle it never applies; carried, it is among the dearer prices in this index. Extraction confidence here is not high, so the conclusions above are provisional on the PDF agreeing with them.