Agreements as filed with the CFPB. Not an offer of credit. How we read them
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Preferred Credit

Retail Charge Agreement UN46 R

The filed agreement discloses a purchase APR of 21%–21.99%. Below: every term the document states, what it leaves out, and how the cost compares with the rest of the database.

Disclosed rates and fees

Every figure below was read from this issuer's filed agreement. Anything the filing does not state is left out of this table rather than shown as zero.

Terms as disclosed in the filed agreement for Retail Charge Agreement UN46 R
Purchase APR21%–21.99% (variable)
Grace period25 days

Analysis

Little could be extracted from Preferred Credit's Retail Charge Agreement UN46 R agreement. What follows is a short account of the gaps rather than a full pricing analysis.

A filing that discloses little

Very little of this filing parsed into structured terms — only a handful of fields could be read with any confidence.

What did come through: a purchase APR of 21% to 21.99% and a 25-day grace period. That is the whole of it.

Rather than fill the space with generic commentary, this page stops here and points at the document. For a filing this opaque, the PDF is the only thing worth reading.

What is outside the disclosure

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.

What this analysis can address is bounded by the filing: rates, fees and the terms around them. Everything a card issuer might advertise — rewards, benefits, bonuses, who qualifies — falls outside the document and outside this review.

Reading the agreement yourself

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

In short

There is not enough in this filing to characterise the card's cost. Read the linked agreement; this page will not pretend to more than it has.

The source document

This page is a reading of one document: the cardholder agreement Preferred Credit filed with the Consumer Financial Protection Bureau. Where the two disagree, the filing is correct and this page is wrong.

Open the filed agreement (PDF)

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Other cards from Preferred Credit

All 124 agreements from Preferred Credit

Where this card sits

Groups this agreement qualifies for, by its own disclosed terms:

Comparable cards from other issuers

Closest disclosed purchase APR among cards in the same groups.