Bealls Inc Credit Card Burkes Outlet Current Credit Card Agreements

Bealls Inc Credit Card Burkes Outlet Current Credit Card Agreements, as filed by Comenity Bank, carries a 35.99% purchase APR, no 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 this filing discloses

What follows is drawn entirely from Comenity Bank's CFPB filing for Bealls Inc Credit Card Burkes Outlet Current Credit Card Agreements. The filing runs 22 pages.

The filing is explicit about a purchase rate, a penalty rate, an annual fee line and a late payment maximum. No figure appears for a cash advance rate, a balance transfer rate and a foreign transaction fee.

The purchase APR against the corpus

Measured against every other filing on the site, 35.99% is about the 97th percentile for purchase APR; it ranks among the most expensive figures in the whole collection.

The arithmetic of revolving

A $4,000 balance left untouched for twelve months accrues about $1,732 in interest at this purchase rate.

A card priced at the corpus median of 21.99% would charge roughly $983 on that balance. This one charges about $748 more per year.

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

What the card costs before you borrow

The annual fee is $0. Roughly 75% of filings here that state a fee state zero, so the absence of one is unremarkable in this market.

When a payment is late

If the account defaults, the filing permits a rate of 39.99%. Among disclosing agreements here that ranks near the 86th percentile.

A default therefore reprices the debt by 4 points: about $117 a year more on $2,000, for as long as the penalty rate stands.

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

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

45 separate Comenity Bank filings appear in the corpus. The issuer's own range is 30.24%–35.99%. At 35.99%, this agreement is dearer than 7 of its siblings.

What you cannot learn from the filing

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.

Reading the agreement yourself

The filed PDF is linked from this page and runs 22 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. With no annual fee, the cost of the account is entirely a function of whether a balance is carried.