Buckle Credit Card Current Credit Card Agreements

Buckle Credit Card Current Credit Card Agreements, as filed by Comenity Bank, carries a 35.99% purchase APR, a $35.88 annual fee and a 39.99% penalty rate. That purchase rate ranks near the 97th percentile across this corpus of 4,587 filings.

What the agreement puts on the record

The document behind this page is Comenity Bank's filed agreement for Buckle Credit Card Current Credit Card Agreements. The filing runs 13 pages.

The disclosure covers 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.

Where the purchase APR sits

35.99% puts the purchase APR near the 97th percentile across 2,280 agreements, so it ranks among the most expensive figures in the whole collection.

The cost of carrying a balance

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

The median purchase rate across the corpus is 21.99%; the same balance there would cost about $246. The gap — roughly $187 a year on $1,000 — is the price of this particular filing over a typical one.

Per statement cycle that is on the order of $30.01 on $1,000, which is the number that actually shows up on a bill.

Note the $3 minimum interest charge, which overrides the arithmetic above whenever the calculated interest falls below it.

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 the card costs before you borrow

Holding the card costs $35.88 a year before any transaction takes place — about the 84th percentile among agreements in this index that state a fee.

For scale, $35.88 is approximately what $100 of revolving balance would cost in interest over twelve months at this card's 35.99% rate.

Penalty pricing and late fees

A penalty APR of 39.99% sits in this filing, applied when the account falls into default as the agreement defines it. Against the 794 filings here that disclose one, that is roughly the 86th percentile.

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.

The grace period

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

What the filing does not tell you

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.

The issuer's other agreements

45 separate Comenity Bank filings appear in the corpus. Across that lineup purchase rates span 30.24% to 35.99%; this filing's 35.99% sits above 7 of the comparable ones.

Among the issuer's other filings that disclose a fee, 22 of 41 come in below this card's $35.88.

The document itself

Everything here is a reading of the filed agreement, 13 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. Against that sits the $35.88 annual fee, which is unavoidable once the account is open.