EFFECTIVE  10-01-2020  PA -EE-NY04-R � 1990-2020 Preferred Credit, Inc.  ALL RIGHTS RESERVED.  Duplication of this document without the copyright owner�s prior written consent is strictly prohibited.  Pricing Addendum For Preferred Credit, Inc. Retail Charge Agreement EE -NY04-R  
Interest Rates and Interest Charges  
Annual Percentage Rate (APR) for 
Purchases 
 21.99%. 
How to Avoid Paying Interest  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 wil l be no less than $ 0.70.  
 
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  None.  
 
Penalty Fees  
� Late Payment � Return Payment  
$20. $20. 
 
 How We Will Calculate Your Balance:  We use a method called �average daily balance ( including new purchases).�    Billing Rights: Information on your rights to dispute transactions and how to exercise those rights is provided in your account agreement.