Synchrony Bank

JCrew_Credit_Card_Account_Agreement_and_Pricing_Addendum_FINAL

Contractual effective date is not recorded. Archived copy captured Aug 23, 2026. Citations distinguish product names from financial terms.

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penalty penalty APRpage 1
J.CREW CREDIT CARD
“The Penalty APR for all transactions is the prime rate plus 32.74%. This APR will vary with the market based on the Prime Rate.* This APR may be applied to your account if you make a late payment. How Long Will the Penalty APR Apply?: If your APRs are increased for this reason, the Penalty APR may remain in effect indefinitely.”
purchase regular APRpage 1
J.CREW CREDIT CARD
“The APR for purchases is the prime rate plus 26.49%. This APR will vary with the market based on the Prime Rate.”

Publisher: Synchrony Bank
Effective date: Date not recorded
Captured: Aug 23, 2026
Source digest: 0d62343b59e67c7cc07ef58227053d3535f1ad3152c0d146012fa21a4ceddd2a