Pricing Addendum For Preferred Credit, Inc. Retail Charge Agreement NY20-W 
As of October 1, 2020 

Interest Rates and Interest Charges 
Annual Percentage Rate (APR) for 
Purchases 

How to Avoid Paying Interest 

17.99%. See your account agreement for more details. 

Your due date is at least 25 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  $0.70.  See  your 
account agreement for more details. 

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 
Transaction Fees 

Penalty Fees 

• 
Late Payment 
•  Return Payment 

None. 

$20. See your account agreement for more details. 
$20. See your account agreement for more details. 

How We Will Calculate Your Balance:  We use a method called “average daily balance (including new purchases).”  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. 

EFFECTIVE  10-01-2020 
© 1990-2020 Preferred Credit, Inc.  ALL RIGHTS RESERVED.  Duplication of this document without the copyright owner’s prior written consent is strictly prohibited. 

PA-NY20-W