Retail Charge Agreement CA24 W

The Retail Charge Agreement CA24 W filing from Preferred Credit sets out a 17.99% purchase APR. That purchase rate ranks near the 28th percentile across this corpus of 4,587 filings.

On the face of the filing

This page covers the agreement Preferred Credit filed for Retail Charge Agreement CA24 W. The filing runs five pages.

Terms captured from the document include a purchase rate, a late payment maximum and a grace period. No figure appears for a cash advance rate, a balance transfer rate and a penalty rate.

The disclosure table in this document parsed only moderately cleanly; the numbers are reported as read, with that caveat attached.

Pricing the purchase rate

The purchase APR of 17.99% places this agreement around the 28th percentile of the set — it undercuts the typical filing.

What a balance actually costs

The purchase rate turns a $4,000 revolving balance into roughly $788 of annual interest.

Measured against the 21.99% corpus median, the same $4,000 costs approximately $195 less per year here.

That maths assumes a static balance and nothing else — no payments, no additional purchases, no fees folded in.

What a missed payment costs

$15 is the disclosed ceiling on a late payment fee, placing it near the 11th percentile of the set.

The no-interest path

Anyone clearing the statement balance inside 25 days pays no purchase interest at all under this filing. That matches the 25-day median across the corpus almost exactly.

Where interest applies at all, the filing bills at least $0.50. On a tiny balance that floor can dwarf the rate itself.

The issuer's other agreements

Preferred Credit has 124 agreements indexed on this site. The issuer's own range is 17.99%–21.99%. At 17.99%, this agreement is dearer than 0 of its siblings.

What you cannot learn from the filing

Absent from the captured terms: anything about cash advances, balance transfer terms, an annual fee and a foreign transaction fee. The original document is the place to look for any of these.

An agreement filing is not a marketing document. Rewards, perks, welcome offers and eligibility rules are not in it, are not in this dataset, and are therefore not discussed anywhere on this page.

The document itself

This summary stands or falls on the linked PDF — five pages. Agreements are amended over time, and the filing reflects the terms as submitted rather than as they stand today.

In short

At 17.99% the purchase rate is close to ordinary for this corpus; nothing in the rate table sets this filing far apart from its peers. Given the parsing confidence on this filing, read the agreement itself before treating any of these figures as settled.