Gordon's Jewelers Credit Card Current Credit Card Agreements

Gordon's Jewelers Credit Card Current Credit Card Agreements, as filed by Comenity Capital Bank, carries a 35.99% purchase APR, a $3.50 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

What follows is drawn entirely from Comenity Capital Bank's CFPB filing for Gordon's Jewelers Credit Card Current Credit Card Agreements. The filing runs 15 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

At 35.99%, the purchase APR falls at roughly the 97th percentile of the 2,280 filings indexed here, which is at the extreme upper end of the corpus.

The arithmetic of revolving

Carry $5,000 on this card for a year without paying it down and the purchase rate alone generates roughly $2,165 in interest.

Against the corpus median of 21.99%, that is approximately $935 a year of extra interest on the same $5,000.

Per statement cycle that is on the order of $150.04 on $5,000, 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.

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.

Paying in full

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

When a payment is late

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

That is 4 points above the standard purchase rate. On a $3,000 balance, the shift from 35.99% to 39.99% adds something like $175 of interest over a year — the real cost of the default, quite apart from the fee itself.

On the fee side, a late payment can cost up to $41, which is around the 89th percentile here.

Fees, and what triggers them

Holding the card costs $3.50 a year before any transaction takes place — about the 75th percentile among agreements in this index that state a fee.

Expressed in the card's own terms, the $3.50 fee equals about a year's interest on a $10 balance at the disclosed 35.99% purchase rate.

How it sits in the issuer's own range

There are 100 filings from Comenity Capital Bank in this index. The issuer's own range is 14.74%–35.99%. At 35.99%, this agreement is dearer than 47 of its siblings.

Its $3.50 annual fee is higher than 42 of the 89 sibling filings that state one.

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.

More broadly, a CFPB agreement filing is a legal and pricing document. It does not describe rewards, benefits, sign-up offers, eligibility or approval criteria, and nothing of that kind has been inferred on this page. Where a card has features of that sort, they live outside this document entirely.

Reading the agreement yourself

Everything here is a reading of the filed agreement, 15 pages of it, which is linked above and which governs. Terms also change between filings, so the date on the document matters.

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. Note that the $3.50 annual fee falls due whether the card is used or not.