FR833282333 B&H PAYBOO
WF1193676B T&C PLCC PDF 202-406-00
9/19

SYNCHRONY BANK
B&H PAYBOO CREDIT CARD ACCOUNT AGREEMENT
SECTION I: B&H PAYBOO RATES AND FEES TABLE
PRICING INFORMATION

Interest Rates and Interest Charges

Annual Percentage Rate 
(APR) for Purchases

29.99%

How to Avoid Paying 
Interest

Your due date is at least 23 days after the close of each billing cycle. We will not charge 
you any 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.

Fees

Penalty Fees

• Late Payment
• Returned Payment

Up to $39.
$28

How We Will Calculate Your Balance: We use a method called “daily balance.” See your credit card account agreement for 
more details.

How Interest Is Calculated

SECTION II: B&H PAYBOO CARD RATES, FEES AND PAYMENT INFORMATION

Your Interest Rate

We use a daily rate to calculate the interest on the balance on your account each day. The daily rate for purchases is the APR 
times 1/365. The daily rate for purchases is .08217% (APR 29.99%). Interest will be imposed in amounts or at rates not in excess 
of those permitted by applicable law.

When We Charge 
Interest

We  charge  interest  on  your  purchases  from  the  date  you  make  the  purchase  until  you  pay  the  purchase  in  full.  See  
exceptions below

•  We will not charge you interest during a billing cycle on any purchases if:

1. You had no balance at the start of the billing cycle; OR
2. You had a balance at the start of the billing cycle and you paid that balance in full by the due date in that billing cycle.

•  We will credit, as of the start of the billing cycle, any payment you make by the due date that we allocate to purchases if

1. You had no balance at the start of the previous billing cycle; OR
2. You had a balance at the start of the previous billing cycle and you paid that balance in full by the due date in the previous 

billing cycle.

How We Calculate
Interest

We  figure  the  interest  charge  on  your  account  separately  for  each  balance  type.  We  do  this  by  applying  the  daily  rate  to 
the  daily  balance  for  each  day  in  the  billing  cycle.  A  separate  daily  balance  is  calculated  for  the  following  balance  types, 
as  applicable:  purchases  and  balances  subject  to  different  interest  rates  and  plans.  See  below  for  more  details  on  how  
this works.

1. How to get the daily balance: We take the starting balance each day, add any new charges and fees, and subtract any 
payments or credits. This gives us the daily balance. Debt cancellation fees, if any, and late payment or returned payment 
fees are treated as new purchases.

2. How to get the daily interest amount: We multiply each daily balance by the daily rate that applies.
3. How to get the starting balance for the next day: We add the daily interest amount in step 2 to the daily balance from  

step 1.

4. How to get the interest charge for the billing cycle: We add all the daily interest amounts that were charged during the  

billing cycle.

We charge a minimum of $2.00 of interest in any billing cycle in which you owe interest. Interest, as calculated above, is added 
as applicable to each balance type. Minimum interest charges in excess of the calculated interest are treated as new purchases.

How Fees Work

Late Payment Fee

We will charge this fee if we do not receive the total minimum payment due on your account by 5 p.m. (ET) on the due date. 
This fee is equal to:

1. $28, if you have paid your total minimum payment due by the due date in each of the prior six billing cycles.

OR

2. $39,  if  you  have  failed  to  pay  your  total  minimum  payment  due  by  the  due  date  in  any  one  or  more  of  the  prior  six  

billing cycles.

The late payment fee will not be more than the total minimum payment that was due.

Returned 
Payment Fee

We will charge this fee if any check, other instrument, or electronic payment authorization you provide us in payment on your 
account, is not honored, returned unpaid or cannot be processed for any reason. This fee is equal to $28. The returned payment 
fee will not be more than the amount permitted by applicable law.

Minimum Payment Calculation

Your total minimum payment is calculated as follows.

The sum of:

a.   For the new balance shown on your billing statement, the greater of:

(i)   $28; or

(ii)   3.5% of the new balance shown on your billing statement; or 

(iii)  The sum of 1% of your new balance shown on your billing statement plus interest and late payment fees charged in the current billing cycle; PLUS

b.  Any past due amounts.

We round up to the next highest whole dollar in figuring your total minimum payment. Your total minimum payment will never be more than your new 

balance.

 
 
 
 
 
 
 
 
 
SECTION III: STANDARD PROVISIONS

ABOUT THE B&H PAYBOO CREDIT CARD ACCOUNT AGREEMENT
This Agreement. This is an Agreement between you and Synchrony Bank, 170 Election Road, Suite 125, Draper, UT 84020, for your credit card account. By opening or 
using your account, you agree to the terms of the entire Agreement. The entire Agreement includes the four sections of this document and the application you submitted 
to us in connection with the account. These documents replace any other agreement relating to your account that you or we made earlier or at the same time.
Parties To This Agreement. This Agreement applies to each accountholder approved on the account and each of you is responsible for paying the full amount due, no 
matter which one uses the account. We may treat each of you as one accountholder and may refer to each of you as “you” or “your.” Synchrony Bank may be referred 
to as “we,” “us” or “our.”
Changes To This Agreement. We may change, add or delete terms of this Agreement, including interest rates, fees and charges.

HOW TO USE YOUR ACCOUNT/CARD
Use Of Your Account. You may use your account only for lawful personal, family or household purposes. You may use your account for purchases from dealers/
merchants/retailers that accept the card.
You Promise To Pay. You promise to pay us for all amounts owed to us under this Agreement. 
Your Responsibility. Each accountholder will receive a card. You may not allow anyone else to use your account. If you do, or if you ask us to send a card to someone 
else, you will be responsible for paying for all charges resulting from their transactions. 
Purchase Limits. To prevent fraud, we may limit the number or dollar amount of purchases you can make in any particular amount of time. We also may decline any 
particular charge on your account for any reason.
Credit Limit. You will be assigned a credit limit that we may increase or decrease from time to time. If we approve a purchase that makes you go over your credit limit, 
we do not give up any rights under this Agreement and we do not treat it as an increase in your credit limit.

HOW AND WHEN TO MAKE PAYMENTS 
When Payments Are Due. You must pay at least the total minimum payment due on your account by 5 p.m. (ET) on the due date of each billing cycle. Payments 
received after 5 p.m. (ET) will be credited as of the next day. You may at any time pay, in whole or in part, the total unpaid balance without any additional charge for 
prepayment. If you have a balance subject to interest, earlier payment may reduce the amount of interest you will pay. We may delay making credit available on your 
account in the amount of your payment even though we will credit your payment when we receive it.
Payment Options. You can pay by mail, online or at certain dealers/merchants/retailers that accept the card and payments. We may allow you to make payments over 
the phone but we will charge you a fee to make expedited phone payments. Your payment must be made in U.S. dollars by physical or electronic check, money order 
or a similar instrument from a bank located in the United States.
How To Make A Payment. You must follow the instructions for making payments provided on your billing statement. If you do not, credit of your payment may be 
delayed up to five days. Your billing statement also explains how information on your check is used.
Payment Allocation. We will apply the required total minimum payment to balances on your account using any method we choose. Any payment you make in excess 
of the required total minimum payment will be applied to higher APR balances before lower APR balances. Applicable law may require or permit us to apply excess 
payments in a different manner in certain situations.

INFORMATION ABOUT YOU 
Using  and  Sharing  Your  Information.  When  you  applied  for  an  account,  you  gave  us,  dealers/merchants/retailers  that  accept  the  card  and  program  sponsors 
information about yourself that we could share with each other. Dealers/merchants/retailers that accept the card and program sponsors (and their respective affiliates) 
will use the information in connection with the credit program and for things like creating and updating their records and offering you special benefits. More information 
about how we use and share information is set forth in the privacy policy for your account. 
Address/Phone Change. You represent that any phone number that you provide to us belongs to you and/or that you are authorized to provide that number. You also agree 
to tell us right away if you change your address or any phone number.
Consent to Communications. You consent to us, as well as any other owner or servicer of your account, contacting you through any channel of communication 
and for any purpose, as permitted by applicable law. For informational, servicing, fraud, or collection related communications, you agree that we may use the phone 
numbers that you provide to us to contact your cellular phone or wireless device with text messages, artificial or prerecorded voice calls, and calls made by an automatic 
telephone dialing system. Text frequency may vary and may be recurring. This consent applies even if you are charged for the call under your plan. You are responsible 
for any charges that may be billed to you by your communications carrier when we contact you. Message and data rates may vary. We and any carrier are not liable for 
delayed or undelivered messages. If you have questions, please call the number on the back of your card.
Telephone Monitoring. For quality control, you allow us to listen to or record telephone calls between you and us.

IMPORTANT INFORMATION ABOUT YOUR ACCOUNT 
Closing Your Account. You may close your account at any time by sending a letter to the address shown on your billing statement or calling customer service. We 
may close your account at any time, for any reason. If your account is closed, you must stop using it. You must still pay the full amount you owe and this Agreement 
will remain in effect until you do.
Collection Costs. If we ask an attorney who is not our salaried employee to collect your account, we may charge you our collection costs. These include court costs 
and reasonable attorneys’ fees.
Credit Bureau Reporting. We may report information about your account to credit bureaus. Late payments, missed payments, or other defaults on your account 
may be shown in your credit report. Tell us if you think we reported wrong information about you to a credit bureau. Write to us at Synchrony Bank, P.O. Box 965036, 
Orlando, FL 32896-5036. Tell us what information is wrong and why you think it is wrong. If you have a copy of the credit report that includes the wrong information, 
send us a copy. 
Default. You are in default if you make a late payment, do not follow any other term of this Agreement or become bankrupt or insolvent. If you default or upon your death, 
we may (a) request payment of the full amount due right away, (b) take legal action to collect the amounts owed, and/or (c) take any other action allowed. 
Disputed Amounts. The billing rights summary in section IV of this Agreement describes what to do if you think there is a mistake on your bill. If you 
send us correspondence about a disputed amount or payment, you must send it to the address for billing inquiries. We do not give up any rights under 
this Agreement if we accept a payment marked “payment in full” or given with any other conditions or limitations.
Unauthorized Use. If your card is lost, stolen or used without your consent, call us immediately at 866-396-8254. You will not be liable for unauthorized use on your 
account, but you will be responsible for all use by anyone you give your card to or allow to use your account.

IMPORTANT INFORMATION ABOUT THIS AGREEMENT
Assignment. We may sell, assign or transfer any or all of our rights or duties under this Agreement or your account, including our rights to payments. We do not have 
to give you prior notice of such action. You may not sell, assign or transfer any of your rights or duties under this Agreement or your account.
Enforceability. If any part of this Agreement is found to be void or unenforceable, all other parts of this Agreement will still apply.
Governing Law. Except as provided in the Resolving a Dispute with Arbitration section, this Agreement and your account are governed by federal law and, to the extent 
state law applies, the laws of Utah without regard to its conflicts of law principles. This Agreement has been accepted by us in Utah.
Waiver. We may give up some of our rights under this Agreement. If we give up any of our rights in one situation, we do not give up the same right in another situation.

RESOLVING A DISPUTE WITH ARBITRATION
PLEASE  READ  THIS  SECTION  CAREFULLY.  IF  YOU  DO  NOT  REJECT  IT,  THIS  SECTION  WILL  APPLY  TO  YOUR  ACCOUNT,  AND  MOST  DISPUTES 
BETWEEN YOU AND US WILL BE SUBJECT TO INDIVIDUAL ARBITRATION. THIS MEANS THAT: (1) NEITHER A COURT NOR A JURY WILL RESOLVE 
ANY SUCH DISPUTE; (2) YOU WILL NOT BE ABLE TO PARTICIPATE IN A CLASS ACTION OR SIMILAR PROCEEDING; (3) LESS INFORMATION WILL BE 
AVAILABLE; AND (4) APPEAL RIGHTS WILL BE LIMITED.

1. CLAIMS AND PARTIES. If either you or we make a demand for arbitration, you and we must arbitrate any dispute or claim between you (including any other user of 
your account), and us (including our parents, affiliates, agents, employees, officers, and assignees) that directly or indirectly arises from or relates to your account, your 
account Agreement or our relationship, except as noted below. In addition, dealers/merchants/retailers and/or any assignee, agent, or service provider of ours that 
collects amounts due on your account are intended beneficiaries of this Arbitration section and may enforce it in full (notwithstanding any state law to the contrary).

2. This Arbitration section broadly covers claims based upon contract, tort, consumer rights, fraud and other intentional torts, negligence, constitution, statute, regulation, 
ordinance, common law and equity and claims for money damages and injunctive or declaratory relief, even if they arose before this section took effect. You may not sell, 
assign or transfer a claim.  

3. Examples of claims subject to arbitration are disputes about an account transaction, fees, charges or interest, the events leading up to the Agreement (such as any 
disclosures, advertisements, oral or written statements, warranties or representations made by us), an application for or denial of credit, any product or service provided 

by us or third parties in connection with the Agreement, credit reporting, benefit programs related to your account including any reward program, the collection of amounts 
due by our assignees, service providers, or agents and the manner of collection.

4. However, we will not require you to arbitrate any individual case in small claims court or your state’s equivalent court, so long as it remains an individual case in that court. 
Also, even if all parties have opted to litigate a claim in court, you or we may elect arbitration with respect to any claim made by a new party or any claim later asserted by 
a party in any related or unrelated lawsuit, including modifying an individual claim to assert a class, representative or multi-party claim. Arbitration may be requested at any 
time, even where there is a pending lawsuit, unless a trial has begun, or a final judgment entered.  

5. Only a court will decide disputes about the validity, enforceability, coverage or scope of this Arbitration section or any part thereof. However, any dispute that concerns the 

validity or enforceability of the Agreement as a whole is for the arbitrator to decide.

6. NO CLASS ACTIONS. IF EITHER YOU OR WE ELECT TO ARBITRATE A CLAIM, NEITHER YOU NOR WE WILL HAVE THE RIGHT (A) TO PARTICIPATE IN 
A CLASS ACTION, PRIVATE ATTORNEY GENERAL ACTION OR OTHER REPRESENTATIVE ACTION IN COURT OR IN ARBITRATION, EITHER AS A CLASS 
REPRESENTATIVE OR CLASS MEMBER, OR (B) TO JOIN OR CONSOLIDATE CLAIMS WITH CLAIMS OF ANY OTHER PERSONS EXCEPT ACCOUNTHOLDERS 
ON YOUR ACCOUNT. THUS, YOU MAY NOT BRING CLAIMS AGAINST US ON BEHALF OF ANY ACCOUNTHOLDER WHO IS NOT AN ACCOUNTHOLDER ON 
YOUR ACCOUNT, AND YOU AGREE THAT ONLY ACCOUNTHOLDERS ON YOUR ACCOUNT MAY BE JOINED IN A SINGLE ARBITRATION WITH ANY CLAIM 
YOU HAVE.

7. PROCEDURES. The party who wants to arbitrate must notify the other party in writing. This notice can be given after the beginning   of a lawsuit or in papers 
filed  in  the  lawsuit.  Otherwise,  your  notice  must  be  sent  to  Synchrony  Bank,  Legal  Operation,  P.O.  Box  29110,  Shawnee  Mission,  KS  66201-5320,  ATTN: 
ARBITRATION DEMAND. The party seeking arbitration must select either the American Arbitration Association (AAA), 120 Broadway, Floor 21, New York, NY 
10271, www.adr.org, or JAMS, 620 Eighth  Avenue, 34th Floor, New York, NY 10018, www.jamsadr.com, to administer the arbitration. If neither administrator can 
handle the dispute, a court with jurisdiction will appoint an arbitrator.

8. The arbitration administrator will appoint the arbitrator and will tell the parties what to do next. The arbitrator must be a lawyer with at least ten years of legal experience. 
The arbitrator must apply the same law, consistent with the Federal Arbitration Act (FAA), that would apply to an individual action in court, but may use different procedural 
rules. The arbitrator will apply the same statutes of limitation and privileges that a court would apply if the matter were pending in court. 

9. The arbitrator may award any damages or other relief or remedies that would apply under applicable law to an individual action brought in court, including, without 
limitation, punitive damages (governed by the Constitutional standards employed by the courts) and injunctive, equitable and declaratory relief (but only in favor of the 
individual party seeking relief and only to the extent necessary to provide relief warranted by that party’s individual claim). The parties will bear the fees and costs of their 
attorneys, witnesses and experts. However, the arbitrator will have the authority to award fees and costs of attorneys, witnesses and experts to the extent permitted by 
the Agreement, the administrator’s rules or applicable law.

10. The arbitration will take place by phone or at a location reasonably convenient to you. If you ask, we will pay all the fees the administrator or arbitrator charges if you cannot obtain a waiver of 
fees from the administrator and are acting in good faith. We will always pay arbitration costs required by the administrator’s rules or that are necessary for this Arbitration section to  
be enforced.

11. GOVERNING LAW. This Arbitration section is governed by the FAA. Utah law shall apply to the extent state law is relevant under the FAA, unless otherwise stated herein. 
The arbitrator’s award will be final and binding, except for any appeal right under the FAA. Any court with jurisdiction may enter judgment upon the arbitrator’s award. The 
arbitration award and any judgment confirming it will apply only to the specific case and cannot be used in any other case except to enforce the award.  

12. SURVIVAL. This Arbitration section shall survive the repayment of all amounts owed, the termination, cancellation or suspension of the Agreement or your account or 
credit privileges, any legal proceeding, and any bankruptcy by you, to the extent consistent with applicable bankruptcy law.  If this Arbitration section conflicts with the 
applicable arbitration rules or the other provisions of the Agreement, this Arbitration section shall govern.  

13. SEVERABILITY. If any portion of this Arbitration section is held to be invalid or unenforceable, the remaining portions shall nevertheless remain in force with the following 
two exceptions.  First, if a determination is made that the “No Class Actions” provision is unenforceable, and that determination is not reversed on appeal, then this 
Arbitration section shall be void in its entirety.   Second, if a court determines that a public injunctive relief claim may proceed notwithstanding the “No Class Actions” 
provision, and that determination is not reversed on appeal, then the public injunctive relief claim will be decided by a court, and any individual claims will be arbitrated.  
The parties will ask the court to stay the public injunctive relief claim until the other claims have been finally concluded.

14. HOW TO REJECT ARBITRATION. You may reject this Arbitration section. If you do that, a court will resolve any dispute or claim. To reject this section, send us a notice 
within 45 days after you open your account or we first provided you with your right to reject this section. The notice must include your name, address, account number, 
and personal signature, and must be mailed to Synchrony Bank, P.O. Box 965012, Orlando, FL 32896-5012. This is the only way you can reject this section.  Rejecting 
this Arbitration section will not affect any other provision of the Agreement. It will also not affect any prior arbitration agreement or dispute resolution provision between you 
and us, which will remain in full force and effect. If you don’t reject this Arbitration section, it will be effective as of the date of the Agreement and will supersede any prior 
arbitration agreement between you and us that would otherwise be applicable.

  This section of the agreement includes state notices, billing rights summary and rewards terms (if applicable) and is not required to be provided as part of the credit 

card agreement posted online or provided to the CFPB.

SECTION IV: OTHER IMPORTANT B&H PAYBOO INFORMATION

FR833282333 B&H PAYBOO
WF1193676B T&C PLCC PDF 202-406-00
9/19