{"data":{"path":"synchrony-bank/chico-s-mastercard","artwork":null,"name":"CHICO'S MASTERCARD®","officialName":"CHICO'S MASTERCARD®","type":"credit_card","audience":"consumer","lifecycleStatus":"active","owner":{"name":"Synchrony Bank","handle":"synchrony-bank"},"institution":{"name":"Synchrony Bank","handle":"synchrony-bank"},"actualIssuerName":null,"standardOffer":{"id":"1634","offerKind":"standard","channel":null,"nameAsFiled":"CHICO'S MASTERCARD®","handle":null,"terms":{"productId":"2818","path":"synchrony-bank/chico-s-mastercard","name":"CHICO'S MASTERCARD®","officialName":"CHICO'S MASTERCARD®","aliases":[],"institutionId":"71734","institutionName":"Synchrony Bank","institutionHandle":"synchrony-bank","issuerName":null,"productType":"credit_card","audience":"consumer","audienceSegments":["consumer"],"lifecycleStatus":"active","offerKind":"standard","channel":null,"secured":null,"network":null,"targetedCreditTier":null,"gracePeriodDays":null,"minimumFinanceChargeCents":null,"balanceComputationMethod":null,"periodicFeeFrequency":null,"periodicFeeCents":0,"periodicFeeMinCents":null,"periodicFeeMaxCents":null,"purchaseRegularAllBps":null,"purchaseRegularNoScoreBps":null,"purchaseRegularPoorBps":null,"purchaseRegularGoodBps":null,"purchaseRegularGreatBps":null,"purchaseRegularMinBps":null,"purchaseRegularMaxBps":null,"purchaseIntroAllBps":null,"purchaseIntroNoScoreBps":null,"purchaseIntroPoorBps":null,"purchaseIntroGoodBps":null,"purchaseIntroGreatBps":null,"purchaseIntroMinBps":null,"purchaseIntroMaxBps":null,"balanceTransferRegularAllBps":null,"balanceTransferRegularNoScoreBps":null,"balanceTransferRegularPoorBps":null,"balanceTransferRegularGoodBps":null,"balanceTransferRegularGreatBps":null,"balanceTransferRegularMinBps":null,"balanceTransferRegularMaxBps":null,"balanceTransferIntroAllBps":null,"balanceTransferIntroNoScoreBps":null,"balanceTransferIntroPoorBps":null,"balanceTransferIntroGoodBps":null,"balanceTransferIntroGreatBps":null,"balanceTransferIntroMinBps":null,"balanceTransferIntroMaxBps":null,"cashAdvanceRegularAllBps":null,"cashAdvanceRegularNoScoreBps":null,"cashAdvanceRegularPoorBps":null,"cashAdvanceRegularGoodBps":null,"cashAdvanceRegularGreatBps":null,"cashAdvanceRegularMinBps":null,"cashAdvanceRegularMaxBps":null,"penaltyRegularAllBps":3999,"penaltyRegularNoScoreBps":null,"penaltyRegularPoorBps":null,"penaltyRegularGoodBps":null,"penaltyRegularGreatBps":null,"penaltyRegularMinBps":3999,"penaltyRegularMaxBps":3999,"purchaseIntroDurationMonths":null,"balanceTransferIntroDurationMonths":null,"purchaseIntroNullReason":null,"balanceTransferIntroNullReason":null,"purchaseRateType":"variable","variableRateIndex":"Prime Rate","annualFeeAmountCents":0,"annualFeePercentBps":null,"annualFeeMinimumCents":null,"annualFeeNullReason":null,"purchaseTransactionFeeAmountCents":null,"purchaseTransactionFeePercentBps":null,"purchaseTransactionFeeMinimumCents":null,"purchaseTransactionFeeNullReason":null,"balanceTransferFeeAmountCents":null,"balanceTransferFeePercentBps":null,"balanceTransferFeeMinimumCents":null,"balanceTransferFeeNullReason":null,"cashAdvanceFeeAmountCents":null,"cashAdvanceFeePercentBps":null,"cashAdvanceFeeMinimumCents":null,"cashAdvanceFeeNullReason":null,"foreignTransactionFeeAmountCents":null,"foreignTransactionFeePercentBps":null,"foreignTransactionFeeMinimumCents":null,"foreignTransactionFeeNullReason":null,"latePaymentFeeAmountCents":null,"latePaymentFeePercentBps":null,"latePaymentFeeMinimumCents":null,"latePaymentFeeNullReason":null,"overLimitFeeAmountCents":null,"overLimitFeePercentBps":null,"overLimitFeeMinimumCents":null,"overLimitFeeNullReason":null,"returnedPaymentFeeAmountCents":null,"returnedPaymentFeePercentBps":null,"returnedPaymentFeeMinimumCents":null,"returnedPaymentFeeNullReason":null,"otherFeeAmountCents":null,"otherFeePercentBps":null,"otherFeeMinimumCents":null,"otherFeeNullReason":null,"lateRepeatFeeAmountCents":null,"availabilityScope":null,"availabilityStateCodes":[],"availabilityCountyScoped":null,"requirementsForOpening":null,"requirementRouteTypes":[],"featureTokens":[],"consumerWebsite":null,"consumerTelephone":null,"loanMinimumAmountCents":null,"loanMaximumAmountCents":null,"loanMinimumTermMonths":null,"loanMaximumTermMonths":null,"loanCollateralType":null,"loanRateMinBps":null,"loanRateMaxBps":null,"loanPrepaymentPenalty":null,"sourceKinds":["official_issuer"],"sourceDocumentPath":"synchrony-bank/chicos-mastercard-account-agreement-and-pricing-addendum-final","sourceDocumentTitle":"Chicos_Mastercard_Account_Agreement_and_Pricing_Addendum_FINAL","sourceDocumentPage":1,"offerCount":1,"minPurchaseAprBps":null,"maxPurchaseAprBps":null,"freshness":"current"},"aprTerms":[{"effectiveFrom":"2026-08-23","effectiveTo":null,"lastObservedAt":"2026-08-23T23:26:06.602Z","sources":[{"snapshotId":"47876","sourceKind":"official_issuer","publisherName":"Synchrony Bank","capturedAt":"2026-08-23T23:26:06.602Z","effectiveOn":"2026-08-23","effectiveOnBasis":"page_capture","statistic":null,"documentPath":"synchrony-bank/chicos-mastercard-account-agreement-and-pricing-addendum-final","documentTitle":"Chicos_Mastercard_Account_Agreement_and_Pricing_Addendum_FINAL","publicUrl":null,"passageId":"d03e7fc12843b55741be297678bf746f","pageNumber":1,"quote":"The APR for cash advances is the prime rate plus 23.87%. This APR will vary with the market based on the Prime Rate.","recordId":null,"recordFields":[],"fieldKey":"apr:cash_advance:regular:all:0"}],"purpose":"cash_advance","phase":"regular","creditTier":"all","balanceTier":0,"balanceFromCents":null,"balanceToCents":null,"rateType":"variable","rateTypeNullReason":null,"minimumBps":null,"minimumBpsNullReason":"not_disclosed","medianBps":null,"medianBpsNullReason":"not_applicable","maximumBps":null,"maximumBpsNullReason":"not_disclosed","indexName":"Prime Rate","marginBps":2387,"marginMinimumBps":2387,"marginMinimumBpsNullReason":null,"marginMaximumBps":2387,"marginMaximumBpsNullReason":null,"marginMaximumIsUpperBound":false,"dailyPeriodicRateMinimumPercent":null,"dailyPeriodicRateMinimumPercentNullReason":"not_disclosed","dailyPeriodicRateMaximumPercent":null,"dailyPeriodicRateMaximumPercentNullReason":"not_disclosed","dailyPeriodicRateMaximumIsUpperBound":false,"rateCapBps":null,"rateCapBpsNullReason":"not_disclosed","penaltyTriggers":[],"penaltyTriggerResolution":null,"penaltyDurationValue":null,"penaltyDurationUnit":null,"durationMonths":null,"durationDays":null,"durationBillingCycles":null,"durationBillingCyclesNullReason":null,"eligibilityConditions":null,"eligibilityConditionSources":[],"statistic":null,"metricSources":{"annual_apr":[{"snapshotId":"47876","sourceKind":"official_issuer","publisherName":"Synchrony Bank","capturedAt":"2026-08-23T23:26:06.602Z","effectiveOn":"2026-08-23","effectiveOnBasis":"page_capture","statistic":null,"documentPath":"synchrony-bank/chicos-mastercard-account-agreement-and-pricing-addendum-final","documentTitle":"Chicos_Mastercard_Account_Agreement_and_Pricing_Addendum_FINAL","publicUrl":null,"passageId":"d03e7fc12843b55741be297678bf746f","pageNumber":1,"quote":"The APR for cash advances is the prime rate plus 23.87%. This APR will vary with the market based on the Prime Rate.","recordId":null,"recordFields":[],"fieldKey":"apr:cash_advance:regular:all:0"}],"daily_periodic_rate":[],"margin":[]}},{"effectiveFrom":"2026-08-23","effectiveTo":null,"lastObservedAt":"2026-08-23T23:26:06.602Z","sources":[{"snapshotId":"47876","sourceKind":"official_issuer","publisherName":"Synchrony Bank","capturedAt":"2026-08-23T23:26:06.602Z","effectiveOn":"2026-08-23","effectiveOnBasis":"page_capture","statistic":"point","documentPath":"synchrony-bank/chicos-mastercard-account-agreement-and-pricing-addendum-final","documentTitle":"Chicos_Mastercard_Account_Agreement_and_Pricing_Addendum_FINAL","publicUrl":null,"passageId":"c79d1b903d2e74a55672339b3108957d","pageNumber":1,"quote":"39.99% 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.","recordId":null,"recordFields":[],"fieldKey":"apr:penalty:penalty:all:0"}],"purpose":"penalty","phase":"penalty","creditTier":"all","balanceTier":0,"balanceFromCents":null,"balanceToCents":null,"rateType":"fixed","rateTypeNullReason":null,"minimumBps":3999,"minimumBpsNullReason":null,"medianBps":null,"medianBpsNullReason":"not_applicable","maximumBps":3999,"maximumBpsNullReason":null,"indexName":null,"marginBps":null,"marginMinimumBps":null,"marginMinimumBpsNullReason":"not_applicable","marginMaximumBps":null,"marginMaximumBpsNullReason":"not_disclosed","marginMaximumIsUpperBound":false,"dailyPeriodicRateMinimumPercent":null,"dailyPeriodicRateMinimumPercentNullReason":"not_disclosed","dailyPeriodicRateMaximumPercent":null,"dailyPeriodicRateMaximumPercentNullReason":"not_disclosed","dailyPeriodicRateMaximumIsUpperBound":false,"rateCapBps":null,"rateCapBpsNullReason":"not_disclosed","penaltyTriggers":["late_payment"],"penaltyTriggerResolution":"complete","penaltyDurationValue":null,"penaltyDurationUnit":"indefinite","durationMonths":null,"durationDays":null,"durationBillingCycles":null,"durationBillingCyclesNullReason":null,"eligibilityConditions":null,"eligibilityConditionSources":[],"statistic":"point","metricSources":{"annual_apr":[{"snapshotId":"47876","sourceKind":"official_issuer","publisherName":"Synchrony Bank","capturedAt":"2026-08-23T23:26:06.602Z","effectiveOn":"2026-08-23","effectiveOnBasis":"page_capture","statistic":"point","documentPath":"synchrony-bank/chicos-mastercard-account-agreement-and-pricing-addendum-final","documentTitle":"Chicos_Mastercard_Account_Agreement_and_Pricing_Addendum_FINAL","publicUrl":null,"passageId":"c79d1b903d2e74a55672339b3108957d","pageNumber":1,"quote":"39.99% 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.","recordId":null,"recordFields":[],"fieldKey":"apr:penalty:penalty:all:0"}],"daily_periodic_rate":[],"margin":[]}},{"effectiveFrom":"2026-08-23","effectiveTo":null,"lastObservedAt":"2026-08-23T23:26:06.602Z","sources":[{"snapshotId":"47876","sourceKind":"official_issuer","publisherName":"Synchrony Bank","capturedAt":"2026-08-23T23:26:06.602Z","effectiveOn":"2026-08-23","effectiveOnBasis":"page_capture","statistic":null,"documentPath":"synchrony-bank/chicos-mastercard-account-agreement-and-pricing-addendum-final","documentTitle":"Chicos_Mastercard_Account_Agreement_and_Pricing_Addendum_FINAL","publicUrl":null,"passageId":"95a9b14683c2b41e7e6cfeb0dff96768","pageNumber":1,"quote":"The APR for purchases is the prime rate plus 22.87%. This APR will vary with the market based on the Prime Rate.","recordId":null,"recordFields":[],"fieldKey":"apr:purchase:regular:all:0"}],"purpose":"purchase","phase":"regular","creditTier":"all","balanceTier":0,"balanceFromCents":null,"balanceToCents":null,"rateType":"variable","rateTypeNullReason":null,"minimumBps":null,"minimumBpsNullReason":"not_disclosed","medianBps":null,"medianBpsNullReason":"not_applicable","maximumBps":null,"maximumBpsNullReason":"not_disclosed","indexName":"Prime Rate","marginBps":2287,"marginMinimumBps":2287,"marginMinimumBpsNullReason":null,"marginMaximumBps":2287,"marginMaximumBpsNullReason":null,"marginMaximumIsUpperBound":false,"dailyPeriodicRateMinimumPercent":null,"dailyPeriodicRateMinimumPercentNullReason":"not_disclosed","dailyPeriodicRateMaximumPercent":null,"dailyPeriodicRateMaximumPercentNullReason":"not_disclosed","dailyPeriodicRateMaximumIsUpperBound":false,"rateCapBps":null,"rateCapBpsNullReason":"not_disclosed","penaltyTriggers":[],"penaltyTriggerResolution":null,"penaltyDurationValue":null,"penaltyDurationUnit":null,"durationMonths":null,"durationDays":null,"durationBillingCycles":null,"durationBillingCyclesNullReason":null,"eligibilityConditions":null,"eligibilityConditionSources":[],"statistic":null,"metricSources":{"annual_apr":[{"snapshotId":"47876","sourceKind":"official_issuer","publisherName":"Synchrony Bank","capturedAt":"2026-08-23T23:26:06.602Z","effectiveOn":"2026-08-23","effectiveOnBasis":"page_capture","statistic":null,"documentPath":"synchrony-bank/chicos-mastercard-account-agreement-and-pricing-addendum-final","documentTitle":"Chicos_Mastercard_Account_Agreement_and_Pricing_Addendum_FINAL","publicUrl":null,"passageId":"95a9b14683c2b41e7e6cfeb0dff96768","pageNumber":1,"quote":"The APR for purchases is the prime rate plus 22.87%. This APR will vary with the market based on the Prime Rate.","recordId":null,"recordFields":[],"fieldKey":"apr:purchase:regular:all:0"}],"daily_periodic_rate":[],"margin":[]}}],"fees":[{"effectiveFrom":"2026-08-23","effectiveTo":null,"lastObservedAt":"2026-08-23T23:26:06.602Z","sources":[{"snapshotId":"47876","sourceKind":"official_issuer","publisherName":"Synchrony Bank","capturedAt":"2026-08-23T23:26:06.602Z","effectiveOn":"2026-08-23","effectiveOnBasis":"page_capture","statistic":"point","documentPath":"synchrony-bank/chicos-mastercard-account-agreement-and-pricing-addendum-final","documentTitle":"Chicos_Mastercard_Account_Agreement_and_Pricing_Addendum_FINAL","publicUrl":null,"passageId":"4c6f52f7d8a4c2620a4bb0151aef053d","pageNumber":1,"quote":"None","recordId":null,"recordFields":[],"fieldKey":"annual_fee"}],"feeType":"annual","feeFrequency":"annual","sequence":1,"name":null,"currencyCode":"USD","amountCents":0,"amountNullReason":null,"percentBps":null,"percentNullReason":"not_applicable","minimumAmountCents":null,"maximumAmountCents":null,"maximumPercentBps":null,"maximumPercentNullReason":"not_applicable","feeScope":"account","calculation":"amount_only","explanation":null}],"cardTerms":null,"signupBonuses":[],"cardRewards":[],"cashBenefits":[],"cardLinks":[],"cardWithholdings":[{"observationKind":"card_offer","fieldKey":"disclosure:card_terms:minimum_finance_charge:page:1","reason":"unparsed_value","detail":"This agreement passage is retained verbatim. The pricing interpretation does not replace the complete card-terms declaration.","sources":[{"snapshotId":"47876","sourceKind":"official_issuer","publisherName":"Synchrony Bank","capturedAt":"2026-08-23T23:26:06.602Z","effectiveOn":"2026-08-23","effectiveOnBasis":"page_capture","statistic":null,"documentPath":"synchrony-bank/chicos-mastercard-account-agreement-and-pricing-addendum-final","documentTitle":"Chicos_Mastercard_Account_Agreement_and_Pricing_Addendum_FINAL","publicUrl":null,"passageId":"b0f372833cb05ae47887b234ddde86ca","pageNumber":1,"quote":"If you are charged interest, the charge will be no less than $2.00.","recordId":null,"recordFields":[],"fieldKey":"withheld:card_offer:disclosure:card_terms:minimum_finance_charge:page:1"}]},{"observationKind":"card_offer","fieldKey":"disclosure:grace_period:purchase:page:1","reason":"unparsed_value","detail":"This agreement passage is retained verbatim. The pricing interpretation does not replace the complete card-terms declaration.","sources":[{"snapshotId":"47876","sourceKind":"official_issuer","publisherName":"Synchrony Bank","capturedAt":"2026-08-23T23:26:06.602Z","effectiveOn":"2026-08-23","effectiveOnBasis":"page_capture","statistic":null,"documentPath":"synchrony-bank/chicos-mastercard-account-agreement-and-pricing-addendum-final","documentTitle":"Chicos_Mastercard_Account_Agreement_and_Pricing_Addendum_FINAL","publicUrl":null,"passageId":"8af91ccc761f37ba9dff097399351f7b","pageNumber":1,"quote":"Your due date is at least 23 days after the close of each billing cycle. We will not charge you any interest on purchases if you pay your entire balance by the due date each month. We will begin charging interest on cash advances on the transaction date.","recordId":null,"recordFields":[],"fieldKey":"withheld:card_offer:disclosure:grace_period:purchase:page:1"}]}],"balanceTransferTerms":[],"loanTerms":null,"loanRateTiers":[],"rateDiscounts":[],"loanWithholdings":[]},"offers":[{"id":"1634","offerKind":"standard","channel":null,"nameAsFiled":"CHICO'S MASTERCARD®","handle":null,"terms":{"productId":"2818","path":"synchrony-bank/chico-s-mastercard","name":"CHICO'S MASTERCARD®","officialName":"CHICO'S MASTERCARD®","aliases":[],"institutionId":"71734","institutionName":"Synchrony Bank","institutionHandle":"synchrony-bank","issuerName":null,"productType":"credit_card","audience":"consumer","audienceSegments":["consumer"],"lifecycleStatus":"active","offerKind":"standard","channel":null,"secured":null,"network":null,"targetedCreditTier":null,"gracePeriodDays":null,"minimumFinanceChargeCents":null,"balanceComputationMethod":null,"periodicFeeFrequency":null,"periodicFeeCents":0,"periodicFeeMinCents":null,"periodicFeeMaxCents":null,"purchaseRegularAllBps":null,"purchaseRegularNoScoreBps":null,"purchaseRegularPoorBps":null,"purchaseRegularGoodBps":null,"purchaseRegularGreatBps":null,"purchaseRegularMinBps":null,"purchaseRegularMaxBps":null,"purchaseIntroAllBps":null,"purchaseIntroNoScoreBps":null,"purchaseIntroPoorBps":null,"purchaseIntroGoodBps":null,"purchaseIntroGreatBps":null,"purchaseIntroMinBps":null,"purchaseIntroMaxBps":null,"balanceTransferRegularAllBps":null,"balanceTransferRegularNoScoreBps":null,"balanceTransferRegularPoorBps":null,"balanceTransferRegularGoodBps":null,"balanceTransferRegularGreatBps":null,"balanceTransferRegularMinBps":null,"balanceTransferRegularMaxBps":null,"balanceTransferIntroAllBps":null,"balanceTransferIntroNoScoreBps":null,"balanceTransferIntroPoorBps":null,"balanceTransferIntroGoodBps":null,"balanceTransferIntroGreatBps":null,"balanceTransferIntroMinBps":null,"balanceTransferIntroMaxBps":null,"cashAdvanceRegularAllBps":null,"cashAdvanceRegularNoScoreBps":null,"cashAdvanceRegularPoorBps":null,"cashAdvanceRegularGoodBps":null,"cashAdvanceRegularGreatBps":null,"cashAdvanceRegularMinBps":null,"cashAdvanceRegularMaxBps":null,"penaltyRegularAllBps":3999,"penaltyRegularNoScoreBps":null,"penaltyRegularPoorBps":null,"penaltyRegularGoodBps":null,"penaltyRegularGreatBps":null,"penaltyRegularMinBps":3999,"penaltyRegularMaxBps":3999,"purchaseIntroDurationMonths":null,"balanceTransferIntroDurationMonths":null,"purchaseIntroNullReason":null,"balanceTransferIntroNullReason":null,"purchaseRateType":"variable","variableRateIndex":"Prime Rate","annualFeeAmountCents":0,"annualFeePercentBps":null,"annualFeeMinimumCents":null,"annualFeeNullReason":null,"purchaseTransactionFeeAmountCents":null,"purchaseTransactionFeePercentBps":null,"purchaseTransactionFeeMinimumCents":null,"purchaseTransactionFeeNullReason":null,"balanceTransferFeeAmountCents":null,"balanceTransferFeePercentBps":null,"balanceTransferFeeMinimumCents":null,"balanceTransferFeeNullReason":null,"cashAdvanceFeeAmountCents":null,"cashAdvanceFeePercentBps":null,"cashAdvanceFeeMinimumCents":null,"cashAdvanceFeeNullReason":null,"foreignTransactionFeeAmountCents":null,"foreignTransactionFeePercentBps":null,"foreignTransactionFeeMinimumCents":null,"foreignTransactionFeeNullReason":null,"latePaymentFeeAmountCents":null,"latePaymentFeePercentBps":null,"latePaymentFeeMinimumCents":null,"latePaymentFeeNullReason":null,"overLimitFeeAmountCents":null,"overLimitFeePercentBps":null,"overLimitFeeMinimumCents":null,"overLimitFeeNullReason":null,"returnedPaymentFeeAmountCents":null,"returnedPaymentFeePercentBps":null,"returnedPaymentFeeMinimumCents":null,"returnedPaymentFeeNullReason":null,"otherFeeAmountCents":null,"otherFeePercentBps":null,"otherFeeMinimumCents":null,"otherFeeNullReason":null,"lateRepeatFeeAmountCents":null,"availabilityScope":null,"availabilityStateCodes":[],"availabilityCountyScoped":null,"requirementsForOpening":null,"requirementRouteTypes":[],"featureTokens":[],"consumerWebsite":null,"consumerTelephone":null,"loanMinimumAmountCents":null,"loanMaximumAmountCents":null,"loanMinimumTermMonths":null,"loanMaximumTermMonths":null,"loanCollateralType":null,"loanRateMinBps":null,"loanRateMaxBps":null,"loanPrepaymentPenalty":null,"sourceKinds":["official_issuer"],"sourceDocumentPath":"synchrony-bank/chicos-mastercard-account-agreement-and-pricing-addendum-final","sourceDocumentTitle":"Chicos_Mastercard_Account_Agreement_and_Pricing_Addendum_FINAL","sourceDocumentPage":1,"offerCount":1,"minPurchaseAprBps":null,"maxPurchaseAprBps":null,"freshness":"current"},"aprTerms":[{"effectiveFrom":"2026-08-23","effectiveTo":null,"lastObservedAt":"2026-08-23T23:26:06.602Z","sources":[{"snapshotId":"47876","sourceKind":"official_issuer","publisherName":"Synchrony Bank","capturedAt":"2026-08-23T23:26:06.602Z","effectiveOn":"2026-08-23","effectiveOnBasis":"page_capture","statistic":null,"documentPath":"synchrony-bank/chicos-mastercard-account-agreement-and-pricing-addendum-final","documentTitle":"Chicos_Mastercard_Account_Agreement_and_Pricing_Addendum_FINAL","publicUrl":null,"passageId":"d03e7fc12843b55741be297678bf746f","pageNumber":1,"quote":"The APR for cash advances is the prime rate plus 23.87%. This APR will vary with the market based on the Prime Rate.","recordId":null,"recordFields":[],"fieldKey":"apr:cash_advance:regular:all:0"}],"purpose":"cash_advance","phase":"regular","creditTier":"all","balanceTier":0,"balanceFromCents":null,"balanceToCents":null,"rateType":"variable","rateTypeNullReason":null,"minimumBps":null,"minimumBpsNullReason":"not_disclosed","medianBps":null,"medianBpsNullReason":"not_applicable","maximumBps":null,"maximumBpsNullReason":"not_disclosed","indexName":"Prime Rate","marginBps":2387,"marginMinimumBps":2387,"marginMinimumBpsNullReason":null,"marginMaximumBps":2387,"marginMaximumBpsNullReason":null,"marginMaximumIsUpperBound":false,"dailyPeriodicRateMinimumPercent":null,"dailyPeriodicRateMinimumPercentNullReason":"not_disclosed","dailyPeriodicRateMaximumPercent":null,"dailyPeriodicRateMaximumPercentNullReason":"not_disclosed","dailyPeriodicRateMaximumIsUpperBound":false,"rateCapBps":null,"rateCapBpsNullReason":"not_disclosed","penaltyTriggers":[],"penaltyTriggerResolution":null,"penaltyDurationValue":null,"penaltyDurationUnit":null,"durationMonths":null,"durationDays":null,"durationBillingCycles":null,"durationBillingCyclesNullReason":null,"eligibilityConditions":null,"eligibilityConditionSources":[],"statistic":null,"metricSources":{"annual_apr":[{"snapshotId":"47876","sourceKind":"official_issuer","publisherName":"Synchrony Bank","capturedAt":"2026-08-23T23:26:06.602Z","effectiveOn":"2026-08-23","effectiveOnBasis":"page_capture","statistic":null,"documentPath":"synchrony-bank/chicos-mastercard-account-agreement-and-pricing-addendum-final","documentTitle":"Chicos_Mastercard_Account_Agreement_and_Pricing_Addendum_FINAL","publicUrl":null,"passageId":"d03e7fc12843b55741be297678bf746f","pageNumber":1,"quote":"The APR for cash advances is the prime rate plus 23.87%. This APR will vary with the market based on the Prime Rate.","recordId":null,"recordFields":[],"fieldKey":"apr:cash_advance:regular:all:0"}],"daily_periodic_rate":[],"margin":[]}},{"effectiveFrom":"2026-08-23","effectiveTo":null,"lastObservedAt":"2026-08-23T23:26:06.602Z","sources":[{"snapshotId":"47876","sourceKind":"official_issuer","publisherName":"Synchrony Bank","capturedAt":"2026-08-23T23:26:06.602Z","effectiveOn":"2026-08-23","effectiveOnBasis":"page_capture","statistic":"point","documentPath":"synchrony-bank/chicos-mastercard-account-agreement-and-pricing-addendum-final","documentTitle":"Chicos_Mastercard_Account_Agreement_and_Pricing_Addendum_FINAL","publicUrl":null,"passageId":"c79d1b903d2e74a55672339b3108957d","pageNumber":1,"quote":"39.99% 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.","recordId":null,"recordFields":[],"fieldKey":"apr:penalty:penalty:all:0"}],"purpose":"penalty","phase":"penalty","creditTier":"all","balanceTier":0,"balanceFromCents":null,"balanceToCents":null,"rateType":"fixed","rateTypeNullReason":null,"minimumBps":3999,"minimumBpsNullReason":null,"medianBps":null,"medianBpsNullReason":"not_applicable","maximumBps":3999,"maximumBpsNullReason":null,"indexName":null,"marginBps":null,"marginMinimumBps":null,"marginMinimumBpsNullReason":"not_applicable","marginMaximumBps":null,"marginMaximumBpsNullReason":"not_disclosed","marginMaximumIsUpperBound":false,"dailyPeriodicRateMinimumPercent":null,"dailyPeriodicRateMinimumPercentNullReason":"not_disclosed","dailyPeriodicRateMaximumPercent":null,"dailyPeriodicRateMaximumPercentNullReason":"not_disclosed","dailyPeriodicRateMaximumIsUpperBound":false,"rateCapBps":null,"rateCapBpsNullReason":"not_disclosed","penaltyTriggers":["late_payment"],"penaltyTriggerResolution":"complete","penaltyDurationValue":null,"penaltyDurationUnit":"indefinite","durationMonths":null,"durationDays":null,"durationBillingCycles":null,"durationBillingCyclesNullReason":null,"eligibilityConditions":null,"eligibilityConditionSources":[],"statistic":"point","metricSources":{"annual_apr":[{"snapshotId":"47876","sourceKind":"official_issuer","publisherName":"Synchrony Bank","capturedAt":"2026-08-23T23:26:06.602Z","effectiveOn":"2026-08-23","effectiveOnBasis":"page_capture","statistic":"point","documentPath":"synchrony-bank/chicos-mastercard-account-agreement-and-pricing-addendum-final","documentTitle":"Chicos_Mastercard_Account_Agreement_and_Pricing_Addendum_FINAL","publicUrl":null,"passageId":"c79d1b903d2e74a55672339b3108957d","pageNumber":1,"quote":"39.99% 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.","recordId":null,"recordFields":[],"fieldKey":"apr:penalty:penalty:all:0"}],"daily_periodic_rate":[],"margin":[]}},{"effectiveFrom":"2026-08-23","effectiveTo":null,"lastObservedAt":"2026-08-23T23:26:06.602Z","sources":[{"snapshotId":"47876","sourceKind":"official_issuer","publisherName":"Synchrony Bank","capturedAt":"2026-08-23T23:26:06.602Z","effectiveOn":"2026-08-23","effectiveOnBasis":"page_capture","statistic":null,"documentPath":"synchrony-bank/chicos-mastercard-account-agreement-and-pricing-addendum-final","documentTitle":"Chicos_Mastercard_Account_Agreement_and_Pricing_Addendum_FINAL","publicUrl":null,"passageId":"95a9b14683c2b41e7e6cfeb0dff96768","pageNumber":1,"quote":"The APR for purchases is the prime rate plus 22.87%. This APR will vary with the market based on the Prime Rate.","recordId":null,"recordFields":[],"fieldKey":"apr:purchase:regular:all:0"}],"purpose":"purchase","phase":"regular","creditTier":"all","balanceTier":0,"balanceFromCents":null,"balanceToCents":null,"rateType":"variable","rateTypeNullReason":null,"minimumBps":null,"minimumBpsNullReason":"not_disclosed","medianBps":null,"medianBpsNullReason":"not_applicable","maximumBps":null,"maximumBpsNullReason":"not_disclosed","indexName":"Prime Rate","marginBps":2287,"marginMinimumBps":2287,"marginMinimumBpsNullReason":null,"marginMaximumBps":2287,"marginMaximumBpsNullReason":null,"marginMaximumIsUpperBound":false,"dailyPeriodicRateMinimumPercent":null,"dailyPeriodicRateMinimumPercentNullReason":"not_disclosed","dailyPeriodicRateMaximumPercent":null,"dailyPeriodicRateMaximumPercentNullReason":"not_disclosed","dailyPeriodicRateMaximumIsUpperBound":false,"rateCapBps":null,"rateCapBpsNullReason":"not_disclosed","penaltyTriggers":[],"penaltyTriggerResolution":null,"penaltyDurationValue":null,"penaltyDurationUnit":null,"durationMonths":null,"durationDays":null,"durationBillingCycles":null,"durationBillingCyclesNullReason":null,"eligibilityConditions":null,"eligibilityConditionSources":[],"statistic":null,"metricSources":{"annual_apr":[{"snapshotId":"47876","sourceKind":"official_issuer","publisherName":"Synchrony Bank","capturedAt":"2026-08-23T23:26:06.602Z","effectiveOn":"2026-08-23","effectiveOnBasis":"page_capture","statistic":null,"documentPath":"synchrony-bank/chicos-mastercard-account-agreement-and-pricing-addendum-final","documentTitle":"Chicos_Mastercard_Account_Agreement_and_Pricing_Addendum_FINAL","publicUrl":null,"passageId":"95a9b14683c2b41e7e6cfeb0dff96768","pageNumber":1,"quote":"The APR for purchases is the prime rate plus 22.87%. This APR will vary with the market based on the Prime Rate.","recordId":null,"recordFields":[],"fieldKey":"apr:purchase:regular:all:0"}],"daily_periodic_rate":[],"margin":[]}}],"fees":[{"effectiveFrom":"2026-08-23","effectiveTo":null,"lastObservedAt":"2026-08-23T23:26:06.602Z","sources":[{"snapshotId":"47876","sourceKind":"official_issuer","publisherName":"Synchrony Bank","capturedAt":"2026-08-23T23:26:06.602Z","effectiveOn":"2026-08-23","effectiveOnBasis":"page_capture","statistic":"point","documentPath":"synchrony-bank/chicos-mastercard-account-agreement-and-pricing-addendum-final","documentTitle":"Chicos_Mastercard_Account_Agreement_and_Pricing_Addendum_FINAL","publicUrl":null,"passageId":"4c6f52f7d8a4c2620a4bb0151aef053d","pageNumber":1,"quote":"None","recordId":null,"recordFields":[],"fieldKey":"annual_fee"}],"feeType":"annual","feeFrequency":"annual","sequence":1,"name":null,"currencyCode":"USD","amountCents":0,"amountNullReason":null,"percentBps":null,"percentNullReason":"not_applicable","minimumAmountCents":null,"maximumAmountCents":null,"maximumPercentBps":null,"maximumPercentNullReason":"not_applicable","feeScope":"account","calculation":"amount_only","explanation":null}],"cardTerms":null,"signupBonuses":[],"cardRewards":[],"cashBenefits":[],"cardLinks":[],"cardWithholdings":[{"observationKind":"card_offer","fieldKey":"disclosure:card_terms:minimum_finance_charge:page:1","reason":"unparsed_value","detail":"This agreement passage is retained verbatim. The pricing interpretation does not replace the complete card-terms declaration.","sources":[{"snapshotId":"47876","sourceKind":"official_issuer","publisherName":"Synchrony Bank","capturedAt":"2026-08-23T23:26:06.602Z","effectiveOn":"2026-08-23","effectiveOnBasis":"page_capture","statistic":null,"documentPath":"synchrony-bank/chicos-mastercard-account-agreement-and-pricing-addendum-final","documentTitle":"Chicos_Mastercard_Account_Agreement_and_Pricing_Addendum_FINAL","publicUrl":null,"passageId":"b0f372833cb05ae47887b234ddde86ca","pageNumber":1,"quote":"If you are charged interest, the charge will be no less than $2.00.","recordId":null,"recordFields":[],"fieldKey":"withheld:card_offer:disclosure:card_terms:minimum_finance_charge:page:1"}]},{"observationKind":"card_offer","fieldKey":"disclosure:grace_period:purchase:page:1","reason":"unparsed_value","detail":"This agreement passage is retained verbatim. The pricing interpretation does not replace the complete card-terms declaration.","sources":[{"snapshotId":"47876","sourceKind":"official_issuer","publisherName":"Synchrony Bank","capturedAt":"2026-08-23T23:26:06.602Z","effectiveOn":"2026-08-23","effectiveOnBasis":"page_capture","statistic":null,"documentPath":"synchrony-bank/chicos-mastercard-account-agreement-and-pricing-addendum-final","documentTitle":"Chicos_Mastercard_Account_Agreement_and_Pricing_Addendum_FINAL","publicUrl":null,"passageId":"8af91ccc761f37ba9dff097399351f7b","pageNumber":1,"quote":"Your due date is at least 23 days after the close of each billing cycle. We will not charge you any interest on purchases if you pay your entire balance by the due date each month. We will begin charging interest on cash advances on the transaction date.","recordId":null,"recordFields":[],"fieldKey":"withheld:card_offer:disclosure:grace_period:purchase:page:1"}]}],"balanceTransferTerms":[],"loanTerms":null,"loanRateTiers":[],"rateDiscounts":[],"loanWithholdings":[]}],"documents":[{"snapshotId":"47876","path":"synchrony-bank/chicos-mastercard-account-agreement-and-pricing-addendum-final","title":"Chicos_Mastercard_Account_Agreement_and_Pricing_Addendum_FINAL","documentType":"official_issuer_agreement","effectiveDate":null,"effectiveDateNullReason":"not_parsed","issuer":{"name":"Synchrony Bank","handle":"synchrony-bank"}}]}}