Rate and Fee Summary

This Rate and Fee Summary (Summary) is part of the Credit Card Agreement (Agreement) for the Overstock Store Credit Card Account. Read it and keep it.

Interest Rates and Interest Charges
Annual Percentage Rate (APR) for Purchases
26.99%
This APR will vary with the market based on the Prime Rate.
How to Avoid Paying Interest
Your due date is at least 25 days after the close of each billing period. We will not charge you interest on purchases if you pay your entire balance by the due date each month. If you do not, you will not get a grace period on purchases again until you pay the entire balance by the due date for two billing periods in a row.
Minimum Interest Charge
If you are charged interest, the charge will be no less than $2 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
Annual Fee
None
Penalty Fees
• Late Payment
• Returned Payment
Up to $40
Up to $40

How We Will Calculate Your Balance: We use a method called “daily balance (including current transactions).” Review your Agreement for more details.

Billing Rights: Information on your rights to dispute transactions and how to exercise those rights is provided in your Agreement.

Wisconsin Residents: If you are married, contact us upon receipt of this Agreement at the General phone number in the How to Contact Us section below and give us your spouse’s name and address.

Print Date: This Summary was printed April 2021. The information was accurate as of that date but may have changed. To find out more, contact us at the General mailing address or phone number in the How to Contact Us section below.

Issuer Name: Your Card is issued by Comenity Capital Bank.

Governing Law: This loan is made in Utah and this Agreement is governed by Utah and federal law.

Rate Information: The following chart provides details on your rates as of the Print Date shown above. If this Agreement was provided at point of sale, review the Agreement with your welcome package for variable rate information in effect within 30 days of mailing.

APR
Daily Periodic Rate
Margin
Purchases
26.99% (v)
0.07394%
23.74%

(v) = variable

Annual Fee: If there is an Annual Fee in the Fees table above, this fee will be charged with the close of your first billing period and annually thereafter. We will refund this fee if you close your Account within 30 days of the mailing or delivery date of the statement on which the fee appears. The fee is otherwise non-refundable.

Late Fee: If you do not pay the Minimum Payment by the Due Date, we charge a Late Fee. The fee is $29 if you were not charged a Late Fee during the prior six billing periods. Otherwise, it is $40. This fee will not exceed the amount permitted by law.

Returned Payment Fee: If you make a payment that is not honored, we charge a Returned Payment Fee even if the payment is honored on resubmission. The fee is $29 if you were not charged a Returned Payment Fee in the same or the prior six billing periods. Otherwise, it is $40. This fee will not exceed the amount permitted by law.

Alternative Payment Method Fee: We may allow you to make an expedited payment over the phone. If you do, we may charge a fee. Currently, that fee is up to $15. We’ll let you know the current fee before you authorize any payment and you can withdraw your request if you don’t want to pay the fee.

Promotional Credit Plans for Overstock Store Credit Card: Purchases made at a participating Overstock.com location or the Overstock.com website on an Overstock Store Credit Card Account may qualify for a Promotional Credit Plan as described below. As of the Print Date, your Purchase APR is 26.99%, based on the Prime Rate.

Current offers may include:

Deferred Interest, Payment Required: No interest if paid in full within 6, 12, 18, or 24 months. Interest will be charged to the Account from the purchase date at the Purchase APR if the plan balance is not paid in full within the promotional period.

Low APR, Equal Payment: 9.99% APR for 24, 36, 48, 60, 72, or 84 months. After that the Purchase APR will apply to any remaining plan balance.

Waived Interest, Equal Payment: No Interest for 36, 48, 60, 72, or 84 months. After that the Purchase APR will apply to any remaining plan balance.

Applicable to All Promotional Credit Plans

  • Available plans and offer terms are subject to change. Plan availability may be limited to certain web purchases. For more information, visit the Overstock.com website.
  • Minimum payments are required for each Credit Plan. Review the Minimum Payment section below for more details.
  • Minimum payments are not guaranteed to pay the promotional plan balance within the promotional period. You may have to pay more than the minimum payment to avoid paying interest at the purchase APR. Some balances may be paid off before the promotional period ends.
  • Your minimum payment may be higher than if you did not select promotional financing.
  • Valid for single transaction only. If the single transaction has multiple shipments, each shipment may result in a separate Credit Plan, subject to a separate minimum purchase requirement and minimum interest charge.

Minimum Payment: You may pay the entire Account balance at any time. You must pay at least the Minimum Payment each billing period by the Due Date on your statement.

If the New Balance on your statement is less than $29 (or $35 if you were charged a Late Fee during the prior six billing periods), the Minimum Payment is the New Balance. If the New Balance is more than $29 (or $35 if you were charged a Late Fee during the prior six billing periods), the Minimum Payment is the Past Due amount plus the sum of the amounts due on each Credit Plan as follows:

Regular Purchase, Deferred Interest, Payment Required and Waived Interest, Payment Required
5% of plan balance at end of billing period rounded up to nearest $1 (minimum $5)
Deferred Interest, Equal Payment and Waived Interest, Equal Payment
Purchase amount divided by number of months in promotional period rounded up to nearest $1 (minimum $5)
Low APR, Equal Payment
Purchase amount including calculated interest charges from purchase date through end of promotional period divided by number of months in promotional period rounded up to nearest $1 (minimum $5)
Deferred Interest, Low Payment and
Waived Interest, Low Payment
1% of plan balance at end of billing period rounded up to nearest $1 (minimum $5)
Budget Payment or Open Charge Budget Payment
Monthly payments of $49, $99, $149, $199 or $299, as specified in offer based on transaction amount
Open Charge (except Open Charge Budget Payment)
Dependent upon above for corresponding Credit Plan
If your balance increases during the Open Charge Period, your Minimum Payment will increase

How to Contact Us:

Arbitration Claims
Comenity Capital Bank, PO Box 182436, Columbus, OH 43218-2436
Arbitration Rejection
Comenity Capital Bank, PO Box 182422, Columbus, OH 43218-2422
Bankruptcy Notifications
Comenity Capital Bank, Bankruptcy Department, PO Box 183043, Columbus, OH 43218-3043
Billing Errors
Comenity Capital Bank, PO Box 182620, Columbus, OH 43218-2620
Credit Reporting Disputes
Comenity Capital Bank, PO Box 182120, Columbus, OH 43218-2120
Disputed Debts
6550 North Loop 1604 East, Suite 101, San Antonio, TX 78247-5004
General
Credit Card Customer Care:
• Overstock Store: 1-855-810-2546
• TDD/TTY: 1-888-819-1918
• Comenity Capital Bank, PO Box 183003, Columbus, OH 43218-3003
When writing, include your name, address, phone number and Account number.

If you have been preapproved, see below for details of your offer.

You can choose to stop receiving “prescreened” offers of credit from this and other companies by calling toll-free 1-888-567-8688. See Prescreen & Opt-out Notice below for more information about prescreened offers.

Prescreen & Opt-Out NoticeThis “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; SageStream, LLC, PO Box 503793, San Diego, CA 92150; Innovis, PO Box 495, Pittsburgh, PA 15230-0495.

For New Accounts- Federal law provides important protections to members of the Armed Forces and their dependents relating to extensions of consumer credit. In general, the cost of consumer credit to a member of the Armed Forces and his or her dependent may not exceed an annual percentage rate of 36 percent. This rate must include, as applicable to the credit transaction or account: The costs associated with credit insurance premiums; fees for ancillary products sold in connection with the credit transaction; any application fee charged (other than certain application fees for specified credit transactions or accounts); and any participation fee charged (other than certain participation fees for a credit card account)

To hear this Military Lending Act disclosure and the payment obligations thereunder, call toll free at 1-866-230-0418; (TDD/TTY: 1-888-819-1918).

I am applying to Comenity Capital Bank for, and hereby request, a Overstock Store Credit Card for personal, family or household use. I hereby authorize Comenity Capital Bank to investigate my credit record. The information that I have supplied is true and correct. 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 Overstock Store Credit Card account agreement. I acknowledge that I will receive a Overstock Store Credit Card account agreement upon approval. I also acknowledge that there is no agreement between Comenity Capital Bank and me until Comenity Capital Bank approves my credit application and accepts the Overstock Store Credit Card account agreement at its office in Utah and that the Overstock Store Credit Card account agreement is deemed to be made in Utah. Store Credit Card are issued and credit is extended by Comenity Capital Bank, Salt Lake City, Utah.

Please note:

By submitting this credit application, you are agreeing to the following with respect to certain consumer information about you.

You hereby authorize Comenity Capital Bank ("us" or "we") to furnish our decision to issue an account to you to Overstock Store Credit Card. You hereby authorize us to furnish, if your application is approved, information concerning your account to credit bureaus, other creditors and Overstock Store Credit Card.

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.