Famous Footwear® Famously YOU Rewards® Credit Card Current Credit Card Agreements

The Famous Footwear® Famously YOU Rewards® Credit Card Current Credit Card Agreements filing from Comenity Capital Bank sets out a 35.99% purchase APR and a 39.99% penalty rate. The purchase rate sits at roughly the 97th percentile of the 4,587 agreements indexed here.

What the document actually states

What follows is drawn entirely from Comenity Capital Bank's CFPB filing for Famous Footwear® Famously YOU Rewards® Credit Card Current Credit Card Agreements. The filing runs 14 pages.

Terms captured from the document include a purchase rate, a penalty rate and a late payment maximum. It is silent on a cash advance rate, a balance transfer rate and an annual fee line.

Confidence in the parse of this filing is moderate rather than high, so the figures below are best checked against the original.

How the purchase rate compares

Set beside the rest of the index, the purchase APR of 35.99% lands at the 97th percentile; it sits in the top few percent of the entire set.

The arithmetic of revolving

Carry $2,000 on this card for a year without paying it down and the purchase rate alone generates roughly $866 in interest.

Against the corpus median of 21.99%, that is approximately $374 a year of extra interest on the same $2,000.

Per statement cycle that is on the order of $60.02 on $2,000, which is the number that actually shows up on a bill.

Note the $3 minimum interest charge, which overrides the arithmetic above whenever the calculated interest falls below it.

That maths assumes a static balance and nothing else — no payments, no additional purchases, no fees folded in.

Penalty pricing and late fees

The agreement discloses penalty pricing of 39.99% — about the 86th percentile of the 794 penalty rates recorded across this index.

The jump from 35.99% to 39.99% is 4 percentage points, worth roughly $117 extra per year on $2,000 of balance.

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

The no-interest path

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

Against the rest of Comenity Capital Bank's filings

Comenity Capital Bank has 100 agreements indexed on this site. The issuer's own range is 14.74%–35.99%. At 35.99%, this agreement is dearer than 47 of its siblings.

The limits of this document

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.

Go to the source

The original filing, 14 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

The defining fact about this filing is the purchase rate: at 35.99% it is in the expensive band of this corpus, and that cost only materialises for someone who revolves a balance. Extraction confidence here is not high, so the conclusions above are provisional on the PDF agreeing with them.