Bloomingdales PL Addendum 105 EN 0126 vf

Bloomingdales PL Addendum 105 EN 0126 vf, as filed by Citibank, carries a 32.74% purchase APR and no annual fee. Against the 4,587 filings on this site, that rate lands around the 77th percentile.

What the document actually states

Bloomingdales PL Addendum 105 EN 0126 vf is one of the agreements Citibank has on file with the CFPB. The filing runs one page.

The disclosure covers a purchase rate, an annual fee line, a late payment maximum and a grace period. It is silent on a cash advance rate, a balance transfer rate and a penalty rate.

Where the purchase APR sits

Measured against every other filing on the site, 32.74% is about the 77th percentile for purchase APR; it sits in the more expensive half.

The filing marks this rate as variable, which means it moves with the index the agreement names rather than staying where it is quoted today.

The arithmetic of revolving

At the disclosed purchase APR, $1,200 revolving for a full year costs something like $465 in interest.

A card priced at the corpus median of 21.99% would charge roughly $295 on that balance. This one charges about $170 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.

What the card costs before you borrow

There is no annual fee. That is the common case in this corpus — about 75% of the filings that disclose an annual fee at all disclose it as $0 — so it is a baseline expectation rather than a distinguishing feature.

Paying in full

Anyone clearing the statement balance inside 25 days pays no purchase interest at all under this filing.

A minimum interest charge of $2 applies in any cycle where interest is due, which makes very small revolving balances disproportionately expensive.

Penalty pricing and late fees

Late payments are capped at $41 under this filing, about the 89th percentile of late fee maximums in the corpus.

Inside Citibank's filed lineup

There are 82 filings from Citibank in this index. The issuer's own range is 25.99%–34.24%. At 32.74%, this agreement is dearer than 28 of its siblings.

33 of the issuer's other 39 disclosing filings are likewise fee-free.

What the filing does not tell you

This page cannot tell you anything about cash advances, balance transfer terms, a foreign transaction fee and penalty pricing, because the filing's disclosure table as read does not contain them.

An agreement filing is not a marketing document. Rewards, perks, welcome offers and eligibility rules are not in it, are not in this dataset, and are therefore not discussed anywhere on this page.

Go to the source

The original filing, 1 page 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

32.74% is an unexceptional purchase rate in this collection, and the rest of the terms follow the same pattern. Because there is no annual fee, everything depends on the revolving behaviour: used as a payment instrument and cleared monthly, this agreement costs nothing.