Lending Club Patient Solutions Credit Current Credit Card Agreements

The Lending Club Patient Solutions Credit Current Credit Card Agreements filing from Comenity Capital Bank sets out a 32.99% purchase APR and a $35.88 annual fee. The purchase rate sits at roughly the 78th percentile of the 4,587 agreements indexed here.

What the document actually states

What follows is drawn entirely from Comenity Capital Bank's CFPB filing for Lending Club Patient Solutions Credit Current Credit Card Agreements. The filing runs 12 pages.

The disclosure covers a purchase rate, an annual fee line and a late payment maximum. No figure appears for 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.

How the purchase rate compares

32.99% puts the purchase APR near the 78th percentile across 2,280 agreements, so it is dearer than the typical filing.

What a balance actually costs

At the disclosed purchase APR, $2,000 revolving for a full year costs something like $781 in interest.

On a median-priced agreement from this index (21.99%) the same $2,000 would run about $492 a year, so this card costs in the region of $290 more annually for the identical 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.

Fees, and what triggers them

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 $109 of revolving balance would cost in interest over twelve months at this card's 32.99% rate.

What a missed payment costs

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

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.

Inside Comenity Capital Bank's filed lineup

This is one of 100 Comenity Capital Bank agreements collected here. Their disclosed purchase rates run from 14.74% to 35.99%, and this one at 32.99% is more expensive than 22 of them.

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

What is outside the disclosure

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.

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.

Where the authority sits

The filed PDF is linked from this page and runs 12 pages. It is the authority for every figure summarised above; where this page and the document disagree, the document is right.

In short

32.99% is an unexceptional purchase rate in this collection, and the rest of the terms follow the same pattern. Note that the $35.88 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.