| Item | Detail | |------|--------| | Card type | Private label retail | | Issuer | Bread Financial (Comenity) | | Network | None (store-only) | | Annual fee | $0 | | Purchase APR | 29.99% variable | | Penalty APR | Up to 35.99% | | Rewards | 5 pts/$1 (5% back in store credit) | | Promo financing | 6, 12, or 24 months deferred interest | | Late fee | Up to $41 | | Foreign transaction fee | $0 |
The standard APR is extremely high compared to the national average credit card APR (~22–24% for retail cards, ~15–18% for standard cards). lane bryant lane credit card
The card cannot be used at grocery stores, gas stations, or general retailers. This severely limits its utility as a daily driver. | Item | Detail | |------|--------| | Card
This paper analyzes the card’s economic structure from both the issuer’s and consumer’s perspectives. This paper analyzes the card’s economic structure from