J Jill Credit Card Current Credit Card Agreements

The J Jill Credit Card Current Credit Card Agreements filing from Comenity Capital Bank sets out a 35.99% purchase APR, no annual fee and a 39.99% penalty rate. Against the 4,587 filings on this site, that rate lands around the 97th percentile.

The disclosed terms

What follows is drawn entirely from Comenity Capital Bank's CFPB filing for J Jill Credit Card Current Credit Card Agreements. The filing runs 14 pages.

The disclosure covers a purchase rate, a penalty rate, an annual fee line and a late payment maximum. No figure appears for a cash advance rate, a balance transfer rate and a foreign transaction fee.

The purchase APR against the corpus

Ranked against the corpus, this purchase APR — 35.99% — sits at approximately the 97th percentile and is at the extreme upper end of the corpus.

What the rate means in dollars

Carry $1,200 on this card for a year without paying it down and the purchase rate alone generates roughly $520 in interest.

The median purchase rate across the corpus is 21.99%; the same balance there would cost about $295. The gap — roughly $224 a year on $1,200 — is the price of this particular filing over a typical one.

Broken down to a single thirty-day cycle, the same balance accrues roughly $36.01.

Note the $3 minimum interest charge, which overrides the arithmetic above whenever the calculated interest falls below it.

Treat this as an illustration of what the disclosed rate does, not as a projection of a real account, which would be shaped by payments and by the fees described elsewhere in the filing.

The fee structure

There is no annual fee. That is the common case in this corpus — about 75% of the filings that disclose an annual fee at all disclose it as $0 — so it is a baseline expectation rather than a distinguishing feature.

Paying in full

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

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

That is 4 points above the standard purchase rate. On a $1,000 balance, the shift from 35.99% to 39.99% adds something like $58 of interest over a year — the real cost of the default, quite apart from the fee itself.

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

The issuer's other agreements

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

On fees, 34 of the 89 sibling filings that disclose an annual fee also set it at zero — this one is among them.

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.

An agreement filing is not a marketing document. Rewards, perks, welcome offers and eligibility rules are not in it, are not in this dataset, and are therefore not discussed anywhere on this page.

Where the authority sits

Everything here is a reading of the filed agreement, 14 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. Because there is no annual fee, everything depends on the revolving behaviour: used as a payment instrument and cleared monthly, this agreement costs nothing.