Rate and Fee Summary

This Rate and Fee Summary (Summary) is part of the Credit Card Agreement (Agreement) for the following credit card accounts:

Read it and keep it.

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.

New York Residents: Comenity Capital Bank:

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 1-800-342-3736 or www.dfs.ny.gov.

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 December 2024. 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.

(v) = variable

PIN for ATM Cash Advances: You must enter a Personal Identification Number (PIN) to obtain an ATM cash advance. Call the General number in the How to Contact Us section below to request a PIN.

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.

Paper Statement Fee: We will charge a Paper Statement Fee each month your balance is greater than $3.50 and a paper billing statement is mailed to you. We do not charge the fee for the first billing period after Account opening. You can avoid this fee if you are enrolled in paperless statements as of 5:00 p.m. ET on the last day of a billing period. You can enroll at the website in the How to Contact Us section of the Summary.

Late Fee: If you do not pay the Minimum Payment by the Due Date, we charge a Late Fee. The fee is $30.00 if you were not charged a Late Fee during the prior six billing periods. Otherwise, it is $41.00. 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 $30.00 if you were not charged a Returned Payment Fee in the same or the prior six billing periods. Otherwise, it is $41.00. 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 Good Sam Rewards Visa Signature: Purchases made at a participating Camping World RV & Outdoors and Gander RV & Outdoors location or the Camping World RV & Outdoors and Gander RV & Outdoors website on a Good Sam Rewards Visa Signature Credit Card Account may qualify for a Promotional Credit Plan as described below. As of the Print Date, your Purchase APR is 22.49%, 25.49%, 28.49%, 31.49%, or 35.49%, based upon your creditworthiness when you opened the account, based on the Prime Rate.

Current offers may include:

Deferred Interest, Payment Required: No interest if paid in full within 6, 9, or 12 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.

Applicable to All Promotional Credit Plans

Promotional Credit Plans for Good Sam Rewards Credit Card: Purchases made at a participating Camping World RV & Outdoors and Gander RV & Outdoors location or the Camping World RV & Outdoors and Gander RV & Outdoors website on a Good Sam Rewards Credit Card Account may qualify for a Promotional Credit Plan as described below. As of the Print Date, your Purchase APR is 35.99%.

Current offers may include:

Deferred Interest, Payment Required: No interest if paid in full within 6, 9, or 12 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.

Applicable to All Promotional Credit Plans

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.

Good Sam Rewards Visa Signature Accounts: If the New Balance on your statement is less than $30.00 (or $40.00 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 $30.00 (or $40.00 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 Credit Plans as follows (minimum $30.00 or $40.00 if you were charged a Late Fee during the prior six billing periods):

Good Sam Rewards Accounts: If the New Balance on your statement is less than $30.00 (or $37.00 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 $30.00 (or $37.00 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 Credit Plans as follows (minimum $30.00 or $37.00 if you were charged a Late Fee during the prior six billing periods):

How to Contact Us: