Forever 21 Credit Card Current Credit Card Agreements

Comenity Capital Bank's filed agreement for Forever 21 Credit Card Current Credit Card Agreements discloses a 35.99% purchase APR. Against the 4,587 filings on this site, that rate lands around the 97th percentile.

What the agreement puts on the record

What follows is drawn entirely from Comenity Capital Bank's CFPB filing for Forever 21 Credit Card Current Credit Card Agreements. The filing runs 15 pages.

Terms captured from the document include a purchase rate 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.

The purchase APR against the corpus

The purchase APR of 35.99% places this agreement around the 97th percentile of the set — it ranks among the most expensive figures in the whole collection.

The cost of carrying a balance

Put $3,000 on the card and never reduce it, and twelve months of interest at the disclosed purchase rate comes to approximately $1,299.

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.

Month to month it reads as about $90.02 per cycle on that balance.

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.

The downside terms

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

Paying in full

A minimum interest charge of $3 applies in any cycle where interest is due, which makes very small revolving balances disproportionately expensive.

Inside Comenity Capital Bank's filed lineup

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 is outside the disclosure

This page cannot tell you anything about cash advances, balance transfer terms, an annual fee and a foreign transaction fee, 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.

Go to the source

Everything here is a reading of the filed agreement, 15 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. 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.