El Dorado Furniture BLUCard Current Credit Card Agreements

On the record for El Dorado Furniture BLUCard Current Credit Card Agreements: a 35.99% purchase APR and a $35.88 annual fee, filed by Comenity Capital Bank. The purchase rate sits at roughly the 97th percentile of the 4,587 agreements indexed here.

What the document actually states

The document behind this page is Comenity Capital Bank's filed agreement for El Dorado Furniture BLUCard Current Credit Card Agreements. The filing runs 15 pages.

On the record here: 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.

Confidence in the parse of this filing is moderate rather than high, so the figures below are best checked against the original.

How the purchase rate compares

The purchase APR of 35.99% places this agreement around the 97th percentile of the set — it is at the extreme upper end of the corpus.

What the rate means in dollars

Put $5,000 on the card and never reduce it, and twelve months of interest at the disclosed purchase rate comes to approximately $2,165.

The median purchase rate across the corpus is 21.99%; the same balance there would cost about $1,229. The gap — roughly $935 a year on $5,000 — is the price of this particular filing over a typical one.

There is also a floor: the filing sets a minimum interest charge of $3, so any cycle that accrues less than that is billed at $3 anyway.

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

Penalty pricing and late fees

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

Charges beyond interest

The annual fee is $35.88, charged whether or not the card is used. Against the filings here that disclose a fee, that sits at roughly the 84th percentile.

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.

The grace period

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

Against the rest of Comenity Capital Bank's filings

Comenity Capital Bank has 100 agreements indexed on this site. Across that lineup purchase rates span 14.74% to 35.99%; this filing's 35.99% sits above 47 of the comparable ones.

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.

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.

The document itself

The original filing, 15 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

The defining fact about this filing is the purchase rate: at 35.99% it is in the expensive band of this corpus, and that cost only materialises for someone who revolves a balance. The $35.88 annual fee is charged regardless of use, so it is a cost that applies even to an account that never revolves. Given the parsing confidence on this filing, read the agreement itself before treating any of these figures as settled.