B&H Payboo Credit Card Account Agreement and Pricing Information

Synchrony Financial's filed agreement for B&H Payboo Credit Card Account Agreement and Pricing Information discloses a 29.99% purchase APR. The purchase rate sits at roughly the 74th percentile of the 4,587 agreements indexed here.

What the agreement puts on the record

B&H Payboo Credit Card Account Agreement and Pricing Information is one of the agreements Synchrony Financial has on file with the CFPB. The filing runs four pages.

The disclosure covers a purchase rate, a late payment maximum and a grace period. It is silent on a cash advance rate, a balance transfer rate and a penalty rate.

These figures carry medium extraction confidence — they are reproduced as read from the filing, which remains the authority.

How the purchase rate compares

Set beside the rest of the index, the purchase APR of 29.99% lands at the 74th percentile; it comes in above the median.

What the rate means in dollars

Carry $2,500 on this card for a year without paying it down and the purchase rate alone generates roughly $874 in interest.

On a median-priced agreement from this index (21.99%) the same $2,500 would run about $615 a year, so this card costs in the region of $259 more annually for the identical balance.

Per statement cycle that is on the order of $62.36 on $2,500, which is the number that actually shows up on a bill.

There is also a floor: the filing sets a minimum interest charge of $2, so any cycle that accrues less than that is billed at $2 anyway.

Treat this as an illustration of what the disclosed rate does, not as a projection of a real account, which would be shaped by payments and by the fees described elsewhere in the filing.

The grace period

23 days is the disclosed grace period for purchases — the interval in which paying in full costs nothing. With a corpus median of 25 days, this window is narrower than the norm.

Where interest applies at all, the filing bills at least $2. On a tiny balance that floor can dwarf the rate itself.

When a payment is late

$39 is the disclosed ceiling on a late payment fee, placing it near the 63rd percentile of the set.

Inside Synchrony Financial's filed lineup

212 separate Synchrony Financial filings appear in the corpus. Across that lineup purchase rates span 0% to 34.99%; this filing's 29.99% sits above 28 of the comparable ones.

What is outside the disclosure

The disclosure parsed here does not state anything about cash advances, balance transfer terms, an annual fee and a foreign transaction fee. Those gaps are gaps in what could be read from the filing, and the PDF may well address them in prose the rate table does not capture.

It is worth being explicit about scope: these filings record terms and pricing. They say nothing about rewards programmes, cardholder benefits, promotional offers or who the issuer will approve, and this review does not speculate about any of it.

Where the authority sits

Everything here is a reading of the filed agreement, four pages of it, which is linked above and which governs. Terms also change between filings, so the date on the document matters.

In short

At 29.99% 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.