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Financial terms of your account
Interest Rates and Interest Charges
| Annual Percentage Rate (APR) for Purchases | 26.99%. |
| How to Avoid Paying Interest | Your due date is at least 25 days after the close of each billing cycle. We will not charge you interest on purchases if you pay your entire balance by the due date each month. |
| Minimum Interest Charge | If you are charged interest, the charge will be no less than $2.00 per credit plan. |
| For Credit Card Tips from the Consumer Financial Protection Bureau | To learn more about factors to consider when applying for or using a credit card, visit the website of the Consumer Financial Protection Bureau at http://www.consumerfinance.gov/learnmore. |
Fees
| None |
| Penalty Fees | |
| Up to $35.00 |
| Up to $35.00 |
How We Will Calculate Your Balance: We use a method called "daily balance." See your Account agreement for more details.
Billing Rights: Information on your rights to dispute transactions and how to exercise those rights is provided in your account agreement.
Comenity Capital Bank 1-855-497-8168 (TDD/TTY 1-888-819-1918)
New York Residents: New York Residents may contact the New York state Department of Financial Services by telephone or visit its website for free information on comparative credit card rates, fees, and grace periods. New York Department of Financial Services 1 (800) 518-8866 or www.dfs.ny.gov.
Rate Information: The following chart provides details on your rate as of 11/23/2015. We divide the APR by 365 to determine the daily periodic rate.
| Add to Index | APR | Daily Periodic Rate | |
| Purchase APR | 23.74% | 26.99% | 0.07394% |
We’ll charge you a minimum interest charge of $2.00 per credit plan for any billing period in which interest is due. For additional information, see Rates in Section D.
Minimum Payment:
The amount you must pay each billing period (“Total Minimum Payment”) is the total of minimum payments for Regular Revolving and promotional Credit Plan purchases plus any Past Due amounts. The Total Minimum Payment won’t be less than $25.00. If your Account balance is less than $25.00, you must pay the amount indicated on your billing statement (“Statement”) in full. The minimum payment due for each Regular Revolving Credit Plan will be the greater of:
- (a) $5.00; or
- (b) 3.5% of the New Balance shown on your Statement for that Credit Plan (rounded up to the nearest $1.00).
See Minimum Payment in Section C below for promotional credit plan minimum payment calculations.
The APR information described in the below Agreement is accurate as of 11/23/2015. Due to a change in the index, this information may have changed. To find out more, call us at 1-855-497-8168 (TDD/TTY: 1-888-819-1918), or write us at Comenity Capital Bank, P.O. Box 183003, Columbus, OH 43218-3003 or visit our website at comenity.net/GameStop.
No Annual fee and 6 Months Special Financing on a new Playstation 4 or Xbox One, or select games
when you spend $150 or more on the PowerUp Rewards Credit Card
I wish it was a Soft pull though.
