Thomasville Credit Card Account Agreement and Pricing Addendum

The Thomasville Credit Card Account Agreement and Pricing Addendum filing from Synchrony Financial sets out a 34.99% purchase APR and a 39.99% penalty rate. The purchase rate sits at roughly the 84th percentile of the 4,587 agreements indexed here.

The disclosed terms

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

On the record here: 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

34.99% puts the purchase APR near the 84th percentile across 2,280 agreements, so it is costlier than the large majority of filings here.

What a balance actually costs

The purchase rate turns a $3,000 revolving balance into roughly $1,256 of annual interest.

A card priced at the corpus median of 21.99% would charge roughly $738 on that balance. This one charges about $518 more per year.

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.

That maths assumes a static balance and nothing else — no payments, no additional purchases, no fees folded in.

Default pricing

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.

Measured in money, moving from 34.99% to 39.99% costs an extra $145 or so annually on $2,000 — a far larger number than any single late fee.

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

Paying in full

Purchases carry a 23-day grace period: pay the statement in full inside it and the purchase rate never applies. 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

There are 212 filings from Synchrony Financial in this index. The issuer's own range is 0%–34.99%. At 34.99%, this agreement is dearer than 35 of its siblings.

The limits of this document

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

The original filing, 5 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

This is an expensive agreement by the standards of the corpus, driven by a 34.99% purchase rate that is inert for a transactor and punishing for a revolver.