Four Mine Credit Card Agreement and Pricing Addendum

Synchrony Financial's filed agreement for Four Mine Credit Card Agreement and Pricing Addendum discloses a 34.99% purchase APR and a 39.99% penalty rate. Against the 4,587 filings on this site, that rate lands around the 84th percentile.

The disclosed terms

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

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

How the purchase rate compares

Ranked against the corpus, this purchase APR — 34.99% — sits at approximately the 84th percentile and is costlier than the large majority of filings here.

The arithmetic of revolving

Put $2,000 on the card and never reduce it, and twelve months of interest at the disclosed purchase rate comes to approximately $837.

A card priced at the corpus median of 21.99% would charge roughly $492 on that balance. This one charges about $346 more per year.

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.

Penalty pricing and late fees

A penalty APR of 39.99% sits in this filing, applied when the account falls into default as the agreement defines it. Against the 794 filings here that disclose one, that is roughly the 86th percentile.

A default therefore reprices the debt by 5 points: about $145 a year more on $2,000, for as long as the penalty rate stands.

The maximum late fee is $41 — roughly the 89th percentile of the late fee ceilings disclosed across this index.

Grace period and minimum charge

The filing gives 23 days' grace on purchases, meaning a statement balance paid in full within that window attracts no interest. With a corpus median of 25 days, this window is narrower than the norm.

A minimum interest charge of $2 applies in any cycle where interest is due, which makes very small revolving balances disproportionately expensive.

Inside Synchrony Financial's filed lineup

This is one of 212 Synchrony Financial agreements collected here. The issuer's own range is 0%–34.99%. At 34.99%, this agreement is dearer than 35 of its siblings.

What you cannot learn from the filing

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.

More broadly, a CFPB agreement filing is a legal and pricing document. It does not describe rewards, benefits, sign-up offers, eligibility or approval criteria, and nothing of that kind has been inferred on this page. Where a card has features of that sort, they live outside this document entirely.

Go to the source

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

In short

The defining fact about this filing is the purchase rate: at 34.99% it is in the expensive band of this corpus, and that cost only materialises for someone who revolves a balance.