|Interest Rates and Interest Charges|
|Annual Percentage Rate (APR) for Purchases||
|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 $1.00 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.
Up to $35.00
Up to $25.00
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.
Rate Information: The following chart provides details on your rate as of 11/26/2015. We divide the APR by 365 to determine the daily periodic rate.
|Add to Index||APR||Daily Periodic Rate|
We’ll charge you a minimum interest charge of $1.00 per credit plan for any billing period in which interest is due. For additional information, see Rates in Section D.
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:
See Minimum Payment in Section C below for promotional credit plan minimum payment calculations.
The APR information described below is accurate as of 11/26/2015. Due to a change in the index, this information may have changed. To find out more, call us at 1-800-201-4955 (TDD/TTY: 1-800-695-1788), or write us at Comenity Bank, PO Box 182273, Columbus, OH 43218-2273 or visit our website at comenity.net/express.
To help the government fight the funding of terrorism and money laundering activities, Federal law requires all financial institutions to obtain, verify and record information that identifies each person who opens an account. What this means for you: When you open an account, we will ask for your name, address, date of birth or other information that will allow us to identify you. We may also ask to see your driver’s license or other identifying documents.
CA Residents: If you are married, you may apply for a separate account. NY, RI and VT Residents: We may order credit reports in connection with processing applications and any update, renewal or extension of credit. Upon request, we will tell you the name and address of any consumer-reporting agency that furnished a report on you. You consent to the obtaining of such reports by signing or otherwise submitting an application or solicitation. OH Residents: The Ohio laws against discrimination require that all creditors make credit equally available to all creditworthy customers, and that credit reporting agencies maintain separate credit histories on each individual upon request. The Ohio Civil Rights Commission administers compliance with this law. WI Residents: No provision of a marital property agreement, unilateral statement under Section 766.59 or court decree under Section 766.70 adversely affects the interest of Comenity Bank unless the Bank, prior to the time credit is granted, is furnished a copy of the agreement, statement or decree or has actual knowledge of the adverse provision when the obligation to the Bank is incurred.
If you have been preapproved, see below for details of your offer.
PRESCREEN & OPT-OUT NOTICE: This “prescreened” offer of credit is based on information in your credit report indicating that you meet certain criteria. This offer is not guaranteed if you do not meet our criteria. If you do not want to receive prescreened offers of credit from this and other companies, call the consumer reporting agencies toll-free, 1-888-567-8688; or write: Experian, PO Box 919, Allen, TX 75013; TransUnion, PO Box 505, Woodlyn, PA 19094; Equifax, PO Box 740123, Atlanta, GA 30374.
I am applying to Comenity Bank for, and hereby request, a EXPRESS NEXT Credit Card account for personal, family or household use. I hereby authorize Comenity Bank to investigate my credit record. The information that I have supplied is true and correct. I acknowledge that I am a permanent resident of the United States. I agree that a credit report may be obtained for any lawful purpose, including in connection with the processing of an application, or subsequently with the update, renewal or extension of credit. Upon my request, I will be informed of whether or not a consumer credit report was ordered, and if it was, I will be given the name and address of the consumer-reporting agency that furnished the report. I agree to be bound by the terms of the Credit Card Account Agreement. I acknowledge that I will receive a Credit Card Account Agreement upon approval. I also acknowledge that there is no agreement between Comenity Bank and me until Comenity Bank approves my credit application and accepts the Credit Card Account Agreement at its office in Delaware and that the Credit Card Account Agreement is deemed to be made in Delaware. Cards are issued and credit is extended by Comenity Bank, Wilmington, Delaware.
BY SUBMITTING THIS CREDIT APPLICATION, YOU ARE AGREEING TO THE FOLLOWING WITH RESPECT TO CERTAIN CONSUMER INFORMATION ABOUT YOU.
You hereby authorize Comenity Bank ("us" or "we") to furnish our decision to issue an account to you to EXPRESS. You hereby authorize us to furnish, if your application is approved, information concerning your account to credit bureaus, other creditors and EXPRESS.
Check your information before submitting. We cannot process any submission without a complete and accurate name, address, date of birth and social security number. By submitting this Application you are acknowledging having read and understood the Important Rate, Fee and Other Cost Information and, if approved, agreeing to be bound by them.