Big O Tires® and Service Credit Card Current Credit Card Agreements

The Big O Tires® and Service Credit Card Current Credit Card Agreements filing from Comenity Capital Bank sets out 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.

What this filing discloses

Big O Tires® and Service Credit Card Current Credit Card Agreements is one of the agreements Comenity Capital Bank has on file with the CFPB. The filing runs 13 pages.

The filing is explicit about a purchase rate, a penalty rate, an annual fee line and a late payment maximum. A cash advance rate, a balance transfer rate and a foreign transaction fee are not stated.

The purchase rate in context

Set beside the rest of the index, the purchase APR of 35.99% lands at the 97th percentile; it is about as high as anything filed here.

Translating the rate into money

Carry $2,000 on this card for a year without paying it down and the purchase rate alone generates roughly $866 in interest.

The median purchase rate across the corpus is 21.99%; the same balance there would cost about $492. The gap — roughly $374 a year on $2,000 — is the price of this particular filing over a typical one.

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

Grace period and minimum charge

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

When a payment is late

A penalty APR of 39.99% sits in this filing, applied when the account falls into default as the agreement defines it. Against the 794 filings here that disclose one, that is roughly 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.

Charges beyond interest

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

Expressed in the card's own terms, the $35.88 fee equals about a year's interest on a $100 balance at the disclosed 35.99% purchase rate.

Against the rest of Comenity Capital Bank's filings

There are 100 filings from Comenity Capital Bank in this index. Across that lineup purchase rates span 14.74% to 35.99%; this filing's 35.99% sits above 47 of the comparable ones.

Its $35.88 annual fee is higher than 53 of the 89 sibling filings that state one.

What the filing does not tell you

Absent from the captured terms: anything about cash advances, balance transfer terms, a foreign transaction fee and a grace period. The original document is the place to look for any of these.

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

This summary stands or falls on the linked PDF — 13 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. Against that sits the $35.88 annual fee, which is unavoidable once the account is open.