Zales Outlet Credit Card Current Credit Card Agreements

The Zales Outlet 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. Against the 4,587 filings on this site, that rate lands around the 97th percentile.

The disclosed terms

Zales Outlet Credit Card Current Credit Card Agreements is one of the agreements Comenity Capital Bank has on file with the CFPB. 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. A cash advance rate, a balance transfer rate and a foreign transaction fee are not stated.

The purchase rate in context

Set beside the rest of the index, the purchase APR of 35.99% lands at the 97th percentile; it is at the extreme upper end of the corpus.

The cost of carrying a balance

Carry $2,000 on this card for a year without paying it down and the purchase rate alone generates roughly $866 in interest.

The median purchase rate across the corpus is 21.99%; the same balance there would cost about $492. The gap — roughly $374 a year on $2,000 — is the price of this particular filing over a typical one.

Broken down to a single thirty-day cycle, the same balance accrues roughly $60.02.

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 grace period

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

The downside terms

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 $58 extra per year on $1,000 of balance.

The maximum late fee is $41 — roughly the 89th percentile of the late fee ceilings disclosed across this index.

Inside Comenity Capital Bank's filed lineup

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.

What the filing does not tell you

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.

Where the authority sits

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

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