Pricing Addendum For Preferred Credit, Inc. Retail Charge Agreement EE-UB04-R 

Interest Rates and Interest Charges 
Annual Percentage Rate (APR) for 
Purchases 

How to Avoid Paying Interest 

Varies by State, from 17% to 21.99%.  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. See your account agreement for more details. 

Minimum Interest Charge 

If you are charged interest the charge will be no less than an amount that varies 
by State between $0.00 and $4.76. 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. 

Varies by State, from (a) $0 to (b) up to $35.  See your account agreement for 
more details. 
Varies by State, from (a) $0 to (b) up to $35.  See your account agreement for 
more details. 

How  We  Will  Calculate  Your  Balance:    We  use  a  method  called  “average  daily  balance  (including  new  purchases)”  unless 
Applicable Law does not prohibit a method called the “daily balance method.”  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-EE-UB04-R