Helzberg Credit Card Current Credit Card Agreements

The Helzberg Credit Card Current Credit Card Agreements filing from Comenity Bank sets out a 35.99% purchase APR and no annual fee. That purchase rate ranks near the 97th percentile across this corpus of 4,587 filings.

What the agreement puts on the record

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

The filing is explicit about a purchase rate, an annual fee line and a late payment maximum. It is silent on a cash advance rate, a balance transfer rate and a penalty rate.

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

The purchase rate in context

At 35.99%, the purchase APR falls at roughly the 97th percentile of the 2,280 filings indexed here, which is about as high as anything filed here.

Translating the rate into money

A $5,000 balance left untouched for twelve months accrues about $2,165 in interest at this purchase rate.

Against the corpus median of 21.99%, that is approximately $935 a year of extra interest on the same $5,000.

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

Fees, and what triggers them

There is no annual fee. That is the common case in this corpus — about 75% of the filings that disclose an annual fee at all disclose it as $0 — so it is a baseline expectation rather than a distinguishing feature.

Penalty pricing and late fees

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

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 limits of this document

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.

How it sits in the issuer's own range

There are 45 filings from Comenity Bank in this index. The issuer's own range is 30.24%–35.99%. At 35.99%, this agreement is dearer than 7 of its siblings.

14 of the issuer's other 41 disclosing filings are likewise fee-free.

Go to the source

This summary stands or falls on the linked PDF — 15 pages. Agreements are amended over time, and the filing reflects the terms as submitted rather than as they stand today.

In short

35.99% on purchases is the number that dominates this agreement. Paid in full each cycle it never applies; carried, it is among the dearer prices in this index. The absence of an annual fee means the rate is the only thing that can make this card expensive. Extraction confidence here is not high, so the conclusions above are provisional on the PDF agreeing with them.