B&H Payboo Credit Card Current Credit Card Agreements

Comenity Capital Bank's filed agreement for B&H Payboo Credit Card Current Credit Card Agreements discloses 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.

The disclosed terms

Comenity Capital Bank filed this agreement for B&H Payboo Credit Card Current Credit Card Agreements with the Consumer Financial Protection Bureau. The filing runs 20 pages.

The disclosure covers a purchase rate, a penalty rate, an annual fee line and a late payment maximum. It is silent on a cash advance rate, a balance transfer rate and a foreign transaction fee.

Where the purchase APR sits

Measured against every other filing on the site, 35.99% is about the 97th percentile for purchase APR; it ranks among the most expensive figures in the whole collection.

What a balance actually costs

The purchase rate turns a $1,000 revolving balance into roughly $433 of annual interest.

On a median-priced agreement from this index (21.99%) the same $1,000 would run about $246 a year, so this card costs in the region of $187 more annually for the identical balance.

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.

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

Fees, and what triggers them

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

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 no-interest path

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

Default pricing

If the account defaults, the filing permits a rate of 39.99%. Among disclosing agreements here that ranks near the 86th percentile.

Measured in money, moving from 35.99% to 39.99% costs an extra $58 or so annually on $1,000 — a far larger number than any single late fee.

The maximum late fee is $41 — roughly the 89th percentile of the late fee ceilings disclosed across this index.

How it sits in the issuer's own range

Comenity Capital Bank has 100 agreements indexed on this site. The issuer's own range is 14.74%–35.99%. At 35.99%, this agreement is dearer than 47 of its siblings.

What you cannot learn from the filing

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.

What this analysis can address is bounded by the filing: rates, fees and the terms around them. Everything a card issuer might advertise — rewards, benefits, bonuses, who qualifies — falls outside the document and outside this review.

Reading the agreement yourself

The original filing, 20 pages long, is linked on this page and should be read before any figure here is acted on. It is also a snapshot: issuers refile as terms change.

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.