EFFECTIVE  10-01-2020  PA -EE-UB04-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 -UB04-R  
Interest Rates and Interest Charges  
Annual Percentage Rate (APR) for 
Purchases Varies by State, from  17%  to 21.99%.  See your account agreement for more details. 
 
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. 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  None.  
 
Penalty Fees  
� Late Payment  � Return Payment  
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.