Bucherer 1888 Credit Card Current Credit Card Agreements

Bucherer 1888 Credit Card Current Credit Card Agreements, as filed by Comenity Capital Bank, carries a 35.99% purchase APR and a $3.50 annual fee. Against the 4,587 filings on this site, that rate lands around the 97th percentile.

What the agreement puts on the record

Bucherer 1888 Credit Card Current Credit Card Agreements is one of the agreements Comenity Capital Bank has on file with the CFPB. The filing runs 16 pages.

The filing is explicit about a purchase rate, an annual fee line and a late payment maximum. It is silent on 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.

How the purchase rate compares

Measured against every other filing on the site, 35.99% is about the 97th percentile for purchase APR; it is at the extreme upper end of the corpus.

The arithmetic of revolving

A $1,500 balance left untouched for twelve months accrues about $649 in interest at this purchase rate.

Against the corpus median of 21.99%, that is approximately $281 a year of extra interest on the same $1,500.

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

$3.50 a year is the disclosed annual fee, which ranks near the 75th percentile of the fees filed across this corpus.

What a missed payment costs

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

The grace period

The $3 minimum interest charge means the effective cost of carrying a very small balance is far higher than the quoted APR implies.

Inside Comenity Capital Bank's filed lineup

This is one of 100 Comenity Capital Bank agreements collected here. The issuer's own range is 14.74%–35.99%. At 35.99%, this agreement is dearer than 47 of its siblings.

Among the issuer's other filings that disclose a fee, 42 of 89 come in below this card's $3.50.

The limits of this document

This page cannot tell you anything about cash advances, balance transfer terms, a foreign transaction fee and a grace period, 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.

Reading the agreement yourself

This summary stands or falls on the linked PDF — 16 pages. Agreements are amended over time, and the filing reflects the terms as submitted rather than as they stand today.

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. Against that sits the $3.50 annual fee, which is unavoidable once the account is open. Extraction confidence here is not high, so the conclusions above are provisional on the PDF agreeing with them.