Houzz Credit Card Current Credit Card Agreements

Houzz Credit Card Current Credit Card Agreements, as filed by Comenity Capital Bank, carries a 35.99% purchase APR and a $3.50 annual fee. That purchase rate ranks near the 97th percentile across this corpus of 4,587 filings.

What the document actually states

The document behind this page is Comenity Capital Bank's filed agreement for Houzz Credit Card Current Credit Card Agreements. The filing runs 16 pages.

The filing is explicit about 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.

The disclosure table in this document parsed only moderately cleanly; the numbers are reported as read, with that caveat attached.

How the purchase rate compares

Set beside the rest of the index, the purchase APR of 35.99% lands at the 97th percentile; it ranks among the most expensive figures in the whole collection.

The cost of carrying a balance

Carry $3,000 on this card for a year without paying it down and the purchase rate alone generates roughly $1,299 in interest.

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.

Per statement cycle that is on the order of $90.02 on $3,000, which is the number that actually shows up on a bill.

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

What the card costs before you borrow

The annual fee is $3.50, charged whether or not the card is used. Against the filings here that disclose a fee, that sits at roughly the 75th percentile.

The grace period

The $3 minimum interest charge means the effective cost of carrying a very small balance is far higher than the quoted APR implies.

What a missed payment costs

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

There are 100 filings from Comenity Capital Bank in this index. Their disclosed purchase rates run from 14.74% to 35.99%, and this one at 35.99% is more expensive than 47 of them.

Among the issuer's other filings that disclose a fee, 42 of 89 come in below this card's $3.50.

The limits of this document

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.

It is worth being explicit about scope: these filings record terms and pricing. They say nothing about rewards programmes, cardholder benefits, promotional offers or who the issuer will approve, and this review does not speculate about any of it.

Where the authority sits

Everything here is a reading of the filed agreement, 16 pages of it, which is linked above and which governs. Terms also change between filings, so the date on the document matters.

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. Note that the $3.50 annual fee falls due whether the card is used or not. Given the parsing confidence on this filing, read the agreement itself before treating any of these figures as settled.