My Smile Care Program Credit Current Credit Card Agreements

On the record for My Smile Care Program Credit Current Credit Card Agreements: a 34.74% purchase APR and a $35.88 annual fee, filed by Comenity Capital Bank. Against the 4,587 filings on this site, that rate lands around the 81st percentile.

What the document actually states

The document behind this page is Comenity Capital Bank's filed agreement for My Smile Care Program Credit Current Credit Card Agreements. The filing runs 23 pages.

Terms captured from the document include a purchase rate, an annual fee line and a late payment maximum. No figure appears for a cash advance rate, a balance transfer rate and a penalty rate.

How the purchase rate compares

Measured against every other filing on the site, 34.74% is about the 81st percentile for purchase APR; it is costlier than the large majority of filings here.

Because the rate is variable, the figure quoted is tied to an index and will drift with it. Nothing here is a fixed commitment.

Translating the rate into money

A $4,000 balance left untouched for twelve months accrues about $1,661 in interest at this purchase rate.

The median purchase rate across the corpus is 21.99%; the same balance there would cost about $983. The gap — roughly $677 a year on $4,000 — is the price of this particular filing over a typical one.

Small balances do not get a proportionally small bill — the agreement imposes a $3 minimum interest charge in any month where interest applies.

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.

What a missed payment costs

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

What the card costs before you borrow

$35.88 a year is the disclosed annual fee, which ranks near the 84th percentile of the fees filed across this corpus.

The no-interest path

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

The issuer's other agreements

100 separate Comenity Capital Bank filings appear in the corpus. Their disclosed purchase rates run from 14.74% to 35.99%, and this one at 34.74% is more expensive than 44 of them.

What is outside the disclosure

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.

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.

The document itself

The filed PDF is linked from this page and runs 23 pages. It is the authority for every figure summarised above; where this page and the document disagree, the document is right.

In short

34.74% 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 $35.88 annual fee, which is unavoidable once the account is open.