International Diamond Center Credit Card Agreement and Pricing Addendum

On the record for International Diamond Center Credit Card Agreement and Pricing Addendum: a 34.99% purchase APR and a 39.99% penalty rate, filed by Synchrony Financial. The purchase rate sits at roughly the 84th percentile of the 4,587 agreements indexed here.

On the face of the filing

The document behind this page is Synchrony Financial's filed agreement for International Diamond Center Credit Card Agreement and Pricing Addendum. The filing runs five pages.

Terms captured from the document include a purchase rate, a penalty rate, a late payment maximum and a grace period. A cash advance rate, a balance transfer rate and an annual fee line are not stated.

The purchase APR against the corpus

Measured against every other filing on the site, 34.99% is about the 84th percentile for purchase APR; it is well above what most issuers disclosed.

The arithmetic of revolving

The purchase rate turns a $2,000 revolving balance into roughly $837 of annual interest.

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.

Small balances do not get a proportionally small bill — the agreement imposes a $2 minimum interest charge in any month where interest applies.

These figures are arithmetic on the disclosed rate, not a quote: they assume the balance is never reduced, ignore any payments, and take no account of fees charged separately.

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.

That is 5 points above the standard purchase rate. On a $2,500 balance, the shift from 34.99% to 39.99% adds something like $182 of interest over a year — the real cost of the default, quite apart from the fee itself.

On the fee side, a late payment can cost up to $41, which is around the 89th percentile here.

Grace period and minimum charge

Anyone clearing the statement balance inside 23 days pays no purchase interest at all under this filing. 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.

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 is outside the disclosure

This page cannot tell you anything about cash advances, balance transfer terms, an annual fee and a foreign transaction fee, because the filing's disclosure table as read does not contain them.

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.

Reading the agreement yourself

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

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.