GameStop Pro Credit Card Current Credit Card Agreements

Comenity Capital Bank's filed agreement for GameStop Pro Credit Card Current Credit Card Agreements discloses a 35.99% purchase APR, no annual fee and a 39.99% penalty rate. The purchase rate sits at roughly the 97th percentile of the 4,587 agreements indexed here.

What this filing discloses

Comenity Capital Bank submitted the terms for GameStop Pro Credit Card Current Credit Card Agreements to the CFPB's agreement database; this is what they contain. The filing runs 14 pages.

The filing is explicit about a purchase rate, a penalty rate, an annual fee line and a late payment maximum. It is silent on a cash advance rate, a balance transfer rate and a foreign transaction fee.

The purchase APR against the corpus

Set beside the rest of the index, the purchase APR of 35.99% lands at the 97th percentile; it is at the extreme upper end of the corpus.

The cost of carrying a balance

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

The median purchase rate across the corpus is 21.99%; the same balance there would cost about $369. The gap — roughly $281 a year on $1,500 — is the price of this particular filing over a typical one.

Broken down to a single thirty-day cycle, the same balance accrues roughly $45.01.

Treat this as an illustration of what the disclosed rate does, not as a projection of a real account, which would be shaped by payments and by the fees described elsewhere in the filing.

Fees, and what triggers them

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.

The downside terms

A penalty APR of 39.99% sits in this filing, applied when the account falls into default as the agreement defines it. Against the 794 filings here that disclose one, that is roughly the 86th percentile.

That is 4 points above the standard purchase rate. On a $1,000 balance, the shift from 35.99% to 39.99% adds something like $58 of interest over a year — the real cost of the default, quite apart from the fee itself.

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

Grace period and minimum charge

Where interest applies at all, the filing bills at least $3. On a tiny balance that floor can dwarf the rate itself.

What you cannot learn from the filing

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

It is worth being explicit about scope: these filings record terms and pricing. They say nothing about rewards programmes, cardholder benefits, promotional offers or who the issuer will approve, and this review does not speculate about any of it.

How it sits in the issuer's own range

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.

34 of the issuer's other 89 disclosing filings are likewise fee-free.

Reading the agreement yourself

This summary stands or falls on the linked PDF — 14 pages. Agreements are amended over time, and the filing reflects the terms as submitted rather than as they stand today.

In short

This is an expensive agreement by the standards of the corpus, driven by a 35.99% purchase rate that is inert for a transactor and punishing for a revolver.