PLCC T&C PDF WF10051051Z 12/2024
SYNCHRONY BANK SECTION I: RATES AND FEES TABLE PHILLIPS 66 ® CREDIT CARD - CONOCO ® CREDIT CARD - 76 ® CREDIT CARD PHILLIPS 66 ® AVIATION CREDIT CARD ACCOUNT AGREEMENT PRICING INFORMATION
Interest Rates and Interest Charges
Annual Percentage Rate (APR) for Purchases · 34.99%
APR for Cash Advances · 34.99%
Paying Interest · Your due date is at least 23 days after the close of each billing cycle. We will not charge you any interest on non-promotional purchases if you pay your entire balance by the due date each month. We will begin charging interest on promotional purchases on the purchase date. We will begin charging interest on cash advances on the transaction date.
Minimum Interest Charge · If you are charged interest, the charge will be no less than $2.00.
Fees
Transaction Fees •Cash Advance Fee · Either $10 or 5% of the amount of each cash advance, whichever is greater.
Penalty Fees • Late Payment • Returned Payment · Up to $40 . Up to $41 .
How We Will Calculate Your Balance: · We use a method called “daily balance.” See your credit card account agreement below for more details.
Paper Statement Fee · $1.99 per month.
SECTION II: RATES, FEES AND PAYMENT INFORMATION PHILLIPS 66 ® CREDIT CARD - CONOCO ® CREDIT CARD - 76 ® CREDIT CARD PHILLIPS 66 ® AVIATION CREDIT CARD ACCOUNT AGREEMENT
How Interest Is Calculated
Your Interest Rate · We use a daily rate to calculate the interest on the balance on your account each day. The daily rate for purchases is the APR times 1/365. Interest will be imposed in amounts or at rates not in excess of those permitted by applicable law. • The daily rate for purchases is .09587% (APR 34.99%). • The daily rate for cash advances is .09587% (APR 34.99%).
When We Charge Interest · Purchases. We charge interest on your purchases from the date you make the purchase until you pay the purchase in full. See exceptions below. • We will not charge you interest during a billing cycle on any new non-promotional purchases if: 1. You had no balance at the start of the billing cycle; OR 2. You had a balance at the start of the billing cycle and you paid that balance in full by the due date in that billing cycle. We always charge interest on promotional purchases and their related fees from the date you make the purchase. • We will credit, as of the start of the billing cycle, any payment you make by the due date that we allocate to non-promotional purchases if: 1. You had no balance at the start of the previous billing cycle; OR 2. You had a balance at the start of the previous billing cycle and you paid that balance in full by the due date in the previous billing cycle. If you did not pay your balance in full in the prior billing cycle, interest will be calculated on your balance from the first day of the current billing cycle until we receive your payment in full, even if you pay your balance in full and on time and make no new charges in the current billing cycle. This interest, plus interest on that interest, will be reflected on your next billing statement. Cash Advances. We charge interest on your cash advances, and their related fees, from the date you make the transaction until you pay them in full. You cannot avoid paying interest on cash advances or their related fees.
