Iddeal Credit Card Current Credit Card Agreements

Comenity Capital Bank's filed agreement for Iddeal Credit Card Current Credit Card Agreements discloses 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 the agreement puts on the record

Iddeal Credit Card Current Credit Card Agreements is one of the agreements Comenity Capital Bank has on file with the CFPB. The filing runs 20 pages.

Terms captured from the document include 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.

These figures carry medium extraction confidence — they are reproduced as read from the filing, which remains the authority.

How the purchase rate compares

The purchase APR of 35.99% places this agreement around the 97th percentile of the set — it sits in the top few percent of the entire set.

What the rate means in dollars

Put $5,000 on the card and never reduce it, and twelve months of interest at the disclosed purchase rate comes to approximately $2,165.

On a median-priced agreement from this index (21.99%) the same $5,000 would run about $1,229 a year, so this card costs in the region of $935 more annually for the identical balance.

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.

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.

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.

$40 is the disclosed ceiling on a late payment fee, placing it near the 72nd percentile of the set.

The fee structure

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.

For scale, $3.50 is approximately what $10 of revolving balance would cost in interest over twelve months at this card's 35.99% rate.

How it sits in the issuer's own range

Comenity Capital Bank has 100 agreements indexed on this site. Their disclosed purchase rates run from 14.74% to 35.99%, and this one at 35.99% is more expensive than 47 of them.

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

The limits of this document

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.

Where the authority sits

This summary stands or falls on the linked PDF — 20 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. The $3.50 annual fee is charged regardless of use, so it is a cost that applies even to an account that never revolves. All of this rests on figures read from the filing with less than full confidence, which is reason enough to check the document before relying on any of it.