Chicos Credit Card Account Agreement and Pricing Addendum FINAL

Pricing in Synchrony Financial's Chicos Credit Card Account Agreement and Pricing Addendum FINAL agreement is expressed relative to the Prime Rate. This review treats those figures as margins, which is what they are, and compares the fee terms that can be compared.

What the document actually states

Synchrony Financial submitted the terms for Chicos Credit Card Account Agreement and Pricing Addendum FINAL to the CFPB's agreement database; this is what they contain. The filing runs six pages.

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

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

Priced off the Prime Rate

This filing does not quote finished APRs. It states margins — numbers that are added to the Prime Rate to produce the rate actually charged. Everything below should be read that way.

As read from the document: 39.99 points for penalty pricing.

The practical consequence is that this card has no single disclosed price. The cost of carrying a balance moves whenever the Prime Rate moves, in lockstep and without notice, and no arithmetic on this page can tell you what it costs today.

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

Fees, and what triggers them

No annual fee appears in the filing, in line with the roughly 75% of disclosing agreements in this index that charge nothing to hold the card.

What a missed payment costs

$41 is the disclosed ceiling on a late payment fee, placing it near the 89th percentile of the set.

Grace period and minimum charge

23 days is the disclosed grace period for purchases — the interval in which paying in full costs nothing. The typical filing here allows 25 days, so this one is tighter than most.

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

Against the rest of Synchrony Financial's filings

Synchrony Financial has 212 agreements indexed on this site. Their disclosed purchase rates run from 0% to 34.99%, though this particular filing does not state one in comparable form.

What the filing does not tell you

The disclosure parsed here does not state a purchase rate, anything about cash advances, balance transfer terms 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.

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

The original filing, 6 pages long, is linked on this page and should be read before any figure here is acted on. It is also a snapshot: issuers refile as terms change.

In short

What can be said is how this card is priced, not what it costs. That distinction is the whole of the analysis here, and the agreement is the place to confirm the index it uses.