MyToyota Credit Card Current Credit Card Agreements

On the record for MyToyota Credit Card Current Credit Card Agreements: a 35.99% purchase APR, filed by Comenity Capital Bank. Against the 4,587 filings on this site, that rate lands around the 97th percentile.

What this filing discloses

What follows is drawn entirely from Comenity Capital Bank's CFPB filing for MyToyota Credit Card Current Credit Card Agreements. The filing runs 14 pages.

The filing is explicit about a purchase rate and a late payment maximum. A cash advance rate, a balance transfer rate and a penalty rate are not stated.

The disclosure table in this document parsed only moderately cleanly; the numbers are reported as read, with that caveat attached.

How the purchase rate compares

At 35.99%, the purchase APR falls at roughly the 97th percentile of the 2,280 filings indexed here, which ranks among the most expensive figures in the whole collection.

What a balance actually costs

Carry $1,200 on this card for a year without paying it down and the purchase rate alone generates roughly $520 in interest.

Against the corpus median of 21.99%, that is approximately $224 a year of extra interest on the same $1,200.

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

The no-interest path

A minimum interest charge of $3 applies in any cycle where interest is due, which makes very small revolving balances disproportionately expensive.

When a payment is late

$41 is the disclosed ceiling on a late payment fee, placing it near the 89th percentile of the set.

The issuer's other agreements

There are 100 filings from Comenity Capital Bank in this index. Across that lineup purchase rates span 14.74% to 35.99%; this filing's 35.99% sits above 47 of the comparable ones.

What the filing does not tell you

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.

An agreement filing is not a marketing document. Rewards, perks, welcome offers and eligibility rules are not in it, are not in this dataset, and are therefore not discussed anywhere on this page.

Where the authority sits

Everything here is a reading of the filed agreement, 14 pages of it, which is linked above and which governs. Terms also change between filings, so the date on the document matters.

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. 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.