Talbots World Mastercard® Credit Card or Talbots Credit Card Current Credit Card Agreements

On the record for Talbots World Mastercard® Credit Card or Talbots Credit Card Current Credit Card Agreements: a 35.99% purchase APR and no annual fee, filed by Comenity Bank. The purchase rate sits at roughly the 97th percentile of the 4,587 agreements indexed here.

On the face of the filing

Comenity Bank filed this agreement for Talbots World Mastercard® Credit Card or Talbots Credit Card Current Credit Card Agreements with the Consumer Financial Protection Bureau. The filing runs 21 pages, and It is issued on the Mastercard network.

On the record here: a purchase rate, a cash advance rate, a balance transfer rate, an annual fee line and a late payment maximum. It is silent on a penalty rate, a foreign transaction fee and a grace period.

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.

Translating the rate into money

The purchase rate turns a $1,200 revolving balance into roughly $520 of annual interest.

Against the corpus median of 21.99%, that is approximately $224 a year of extra interest on the same $1,200.

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

Default pricing

Late payments are capped at $41 under this filing, about the 89th percentile of late fee maximums in the corpus.

Fees, and what triggers them

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.

For cash advances the filing discloses a cash advance fee of 35.99% and a cash advance APR of 35.99%.

Moving a balance onto this card carries an up-front charge of 35.99% of the amount transferred, with the transferred balance priced at 35.99%. On $3,000 that fee is about $1,080 before any interest is charged.

Against the rest of Comenity Bank's filings

45 separate Comenity Bank filings appear in the corpus. Their disclosed purchase rates run from 30.24% to 35.99%, and this one at 35.99% is more expensive than 7 of them.

The limits of this document

This page cannot tell you a foreign transaction fee, a grace period and penalty pricing, 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.

Reading the agreement yourself

Everything here is a reading of the filed agreement, 21 pages of it, which is linked above and which governs. Terms also change between filings, so the date on the document matters.

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.