United Hardware Credit Card Account Agreement and Pricing Addendum

Synchrony Financial's filed agreement for United Hardware Credit Card Account Agreement and Pricing Addendum discloses 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.

What this filing discloses

Synchrony Financial filed this agreement for United Hardware Credit Card Account Agreement and Pricing Addendum with the Consumer Financial Protection Bureau. The filing runs five pages.

The disclosure covers a purchase rate, a penalty rate, a late payment maximum and a grace period. No figure appears for a cash advance rate, a balance transfer rate and an annual fee line.

The purchase APR against the corpus

At 34.99%, the purchase APR falls at roughly the 84th percentile of the 2,280 filings indexed here, which is well above what most issuers disclosed.

What the rate means in dollars

At the disclosed purchase APR, $3,000 revolving for a full year costs something like $1,256 in 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.

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

Penalty pricing and late fees

If the account defaults, the filing permits a rate of 39.99%. Among disclosing agreements here that ranks near 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

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.

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. Their disclosed purchase rates run from 0% to 34.99%, and this one at 34.99% is more expensive than 35 of them.

What the filing does not tell you

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

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

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.