Roaman's Platinum Credit Card Current Credit Card Agreements

On the record for Roaman's Platinum Credit Card Current Credit Card Agreements: a 35.99% purchase APR and a $35.88 annual fee, filed by Comenity Bank. Against the 4,587 filings on this site, that rate lands around the 97th percentile.

What the document actually states

Roaman's Platinum Credit Card Current Credit Card Agreements is one of the agreements Comenity Bank has on file with the CFPB. The filing runs 19 pages.

The disclosure covers 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.

These figures carry medium extraction confidence — they are reproduced as read from the filing, which remains the authority.

Pricing the purchase rate

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.

The arithmetic of revolving

Carry $3,000 on this card for a year without paying it down and the purchase rate alone generates roughly $1,299 in interest.

The median purchase rate across the corpus is 21.99%; the same balance there would cost about $738. The gap — roughly $561 a year on $3,000 — is the price of this particular filing over a typical one.

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

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.

Paying in full

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

Default pricing

On the fee side, a late payment can cost up to $41, which is around the 89th percentile here.

Charges beyond interest

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.

One way to size that fee: at the card's own purchase rate of 35.99%, $35.88 is roughly the interest a balance of about $100 would generate in a year. The fee is a fixed cost that behaves like perpetual interest on that much debt.

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 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.

An agreement filing is not a marketing document. Rewards, perks, welcome offers and eligibility rules are not in it, are not in this dataset, and are therefore not discussed anywhere on this page.

Reading the agreement yourself

The filed PDF is linked from this page and runs 19 pages. It is the authority for every figure summarised above; where this page and the document disagree, the document is right.

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. Note that the $35.88 annual fee falls due whether the card is used or not. All of this rests on figures read from the filing with less than full confidence, which is reason enough to check the document before relying on any of it.