Zales Credit Card Current Credit Card Agreements

The Zales Credit Card Current Credit Card Agreements filing from Comenity Capital Bank sets out a 35.99% purchase APR, a $3.50 annual fee and a 39.99% penalty rate. That purchase rate ranks near the 97th percentile across this corpus of 4,587 filings.

On the face of the filing

Comenity Capital Bank filed this agreement for Zales Credit Card Current Credit Card Agreements with the Consumer Financial Protection Bureau. The filing runs 15 pages.

The disclosure covers 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.

How the purchase rate compares

Measured against every other filing on the site, 35.99% is about the 97th percentile for purchase APR; it is about as high as anything filed here.

What a balance actually costs

A $1,000 balance left untouched for twelve months accrues about $433 in interest at this purchase rate.

A card priced at the corpus median of 21.99% would charge roughly $246 on that balance. This one charges about $187 more per year.

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

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

Charges beyond interest

The annual fee is $3.50, charged whether or not the card is used. Against the filings here that disclose a fee, that sits at roughly the 75th percentile.

One way to size that fee: at the card's own purchase rate of 35.99%, $3.50 is roughly the interest a balance of about $10 would generate in a year. The fee is a fixed cost that behaves like perpetual interest on that much debt.

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.

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.

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

Inside Comenity Capital Bank's filed lineup

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 35.99% is more expensive than 47 of them.

The limits of this document

The disclosure parsed here does not state anything about cash advances, balance transfer terms, a foreign transaction fee and a grace period. Those gaps are gaps in what could be read from the filing, and the PDF may well address them in prose the rate table does not capture.

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.

The document itself

The filed PDF is linked from this page and runs 15 pages. It is the authority for every figure summarised above; where this page and the document disagree, the document is right.

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. Against that sits the $3.50 annual fee, which is unavoidable once the account is open.