Vacation Club Credit Credit Card Agreement

Vacation Club Credit Credit Card Agreement, as filed by Comenity Capital Bank, carries a 19.99% purchase APR and no annual fee. Against the 4,587 filings on this site, that rate lands around the 42nd percentile.

What this filing discloses

Comenity Capital Bank submitted the terms for Vacation Club Credit Credit Card Agreement to the CFPB's agreement database; this is what they contain. The filing runs 22 pages.

On the record here: 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.

Parsing confidence here is medium, so treat the figures as indicative of the filing rather than a substitute for it.

The purchase APR against the corpus

Measured against every other filing on the site, 19.99% is about the 42nd percentile for purchase APR; it is about typical for the filings collected here.

What a balance actually costs

The purchase rate turns a $1,000 revolving balance into roughly $221 of annual interest.

Measured against the 21.99% corpus median, the same $1,000 costs approximately $25 less per year here.

Per statement cycle that is on the order of $16.56 on $1,000, 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.

Paying in full

Where interest applies at all, the filing bills at least $2. On a tiny balance that floor can dwarf the rate itself.

When a payment is late

$41 is the disclosed ceiling on a late payment fee, placing it near the 89th percentile of the set.

Fees, and what triggers them

No annual fee appears in the filing, in line with the roughly 75% of disclosing agreements in this index that charge nothing to hold the card.

Against the rest of Comenity Capital Bank's filings

100 separate Comenity Capital Bank filings appear in the corpus. The issuer's own range is 14.74%–35.99%. At 19.99%, this agreement is dearer than 2 of its siblings.

The limits of this document

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.

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.

The document itself

This summary stands or falls on the linked PDF — 22 pages. Agreements are amended over time, and the filing reflects the terms as submitted rather than as they stand today.

In short

19.99% is an unexceptional purchase rate in this collection, and the rest of the terms follow the same pattern. The absence of an annual fee means the rate is the only thing that can make this card expensive. 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.