Lane Bryant Credit Card Current Credit Card Agreements

The Lane Bryant Credit Card Current Credit Card Agreements filing from Comenity Bank sets out a 35.99% purchase APR, a $35.88 annual fee and a 39.99% penalty rate. Against the 4,587 filings on this site, that rate lands around the 97th percentile.

On the face of the filing

The document behind this page is Comenity Bank's filed agreement for Lane Bryant Credit Card Current Credit Card Agreements. The filing runs 20 pages.

On the record here: 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.

How the purchase rate compares

At 35.99%, the purchase APR falls at roughly the 97th percentile of the 2,280 filings indexed here, which ranks among the most expensive figures in the whole collection.

What the rate means in dollars

At the disclosed purchase APR, $1,500 revolving for a full year costs something like $649 in interest.

Against the corpus median of 21.99%, that is approximately $281 a year of extra interest on the same $1,500.

These figures are arithmetic on the disclosed rate, not a quote: they assume the balance is never reduced, ignore any payments, and take no account of fees charged separately.

What the card costs before you borrow

$35.88 a year is the disclosed annual fee, which ranks near the 84th percentile of the fees filed across this corpus.

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

The agreement discloses penalty pricing of 39.99% — about the 86th percentile of the 794 penalty rates recorded across this index.

Measured in money, moving from 35.99% to 39.99% costs an extra $117 or so annually on $2,000 — a far larger number than any single late fee.

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

Paying in full

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

Against the rest of Comenity Bank's filings

Comenity Bank has 45 agreements indexed on this site. The issuer's own range is 30.24%–35.99%. At 35.99%, this agreement is dearer than 7 of its siblings.

Its $35.88 annual fee is higher than 22 of the 41 sibling filings that state one.

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.

The document itself

The filed PDF is linked from this page and runs 20 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 $35.88 annual fee, which is unavoidable once the account is open.