SuperMoney
  P. C. Richard & Son Credit Card

P. C. Richard & Son Credit Card

in Personal Credit Cards from Synchrony Bank

Claimed

P. C. Richard & Son Credit Card

Claimed

in Personal Credit Cards from Synchrony Bank

Net Recommendation Score -100

SUPERMONEY NET RECOMMENDATION SCORE

This product is strongly not recommended by SuperMoney users with a score of -100, equating to 1 on a 5 point rating scale.

-100

Recommendation score measures the loyalty between a provider and a consumer. It's at +100 if everybody recommends the provider, and at -100 when no one recommends.

Rating not yet determined  

0 users recommend
0 users are unsure
4 users don't recommend
Cast your vote

Would you recommend P. C. Richard & Son Credit Card to your friends?

Thanks for your vote!

You voted: May or may not recommend

Highlights
Community Rating

Rating not yet determined  

Purchase APR  (Variable APR) 29.99%
Balance Transfer APR  (Variable APR) N/A
Credit Score Range 650 - 850
Annual Fee $0

P. C. Richard & Son Credit Card Review

This is a store credit card issued by Synchrony Bank. If you're wondering whether PC Richards credit card is the right card for you, read on. This review will provide you with with all the details you need to make a good choice.

Key Takeaways
  • High APRs. This is not a great card for people who carry a balance. It has a variable purchase APR of 29.99%
  • No annual fee*. This is a great option for people looking for a low-maintenance card. It gives you the benefits of a credit card, but you don't have to pay an annual fee for the privilege.
  • Fair or better credit required. You will have good approval odds if your credit score is above 650.
Pros & Cons of PC Richards credit card
The Good The Bad
  • Receive 6 months special financing every day with no annual fees.
  • No annual fee.
  • P. C. Richard & Son Credit Card reports to multiple credit bureaus.
  • Higher than average purchase APRs.
  • Does not offer a signup bonus.
  • Does not offer rewards or cash back.
  • You don't earn rewards on every purchase.
  • Does not include many credit card benefits.
PC Richards credit card FAQ

Does PC Richards credit card have a cash back or rewards program?

No, it does not offer a rewards program.

What are the PC Richards credit card benefits?

It provides the following benefits:

  • Zero fraud liability
  • Reports to major credit bureaus

What are the relevant APRs for PC Richards credit card?

According to the Federal Reserve Board, the average regular APR is 15% for all credit cards and 17% for accounts that carry a balance. It has higher than average regular APRs.

It has a variable purchase APR of 29.99%.

Does PC Richards credit card have an intro APR offer on balance transfers?

No, it does not come with an intro APR offer for balance transfers.

Does PC Richards credit card have an intro APR offer on new purchases?

This card does not offer an intro APR rate on new purchases.

What are the fees for PC Richards credit card?

The following fees apply:

PC Richards credit card Fees
Fees Amount
Annual Fee $0
Returned Payment Fee $28
Late Payment Fee up to $39

This card does not charge an annual fee, which makes it a smart choice for consumers looking for a low-cost card.

What is the customer service phone number for PC Richards credit card?

The PC Richards credit card customer service number is (866) 226-5638.

What is the support contact email for PC Richards credit card?

The support contact email for PC Richards credit card is customer.service@mail.synchronybank.com.

How do people rate the customer service and user experience of PC Richards credit card?

Overall, PC Richards credit card is strongly not recommended based on community reviews that rate customer service and user experience.

Does P. C. Richard & Son Credit Card report your account activity to credit bureaus?

Yes, P. C. Richard & Son Credit Card reports your account activity to the following credit reporting agencies:

  • Equifax
  • Experian
  • Transunion

Making regular on-time payments to a creditor that reports to one or more credit bureaus will demonstrate your financial responsibility and may help improve your credit.

How to apply for PC Richards credit card

  • Visit the PC Richards credit card website.
  • Fill in the application form. You will typically need to provide general financial information, such as your Social Security Number, address, and annual income.
  • Check the information is accurate and submit your application.

If your credit score is preventing you from qualifying for this credit card, check out our guide for the best credit cards for bad credit.

SuperMoney Disclosure: SuperMoney.com is an independent, advertising-supported service. The owner of this website may be compensated in exchange for featured placement of certain sponsored products and services, or your clicking on links posted on this website. Read more...
Editorial Disclaimer: Editorial and user-generated content on this page is not provided or commissioned by the issuer. Opinions expressed here are the author’s alone and have not been approved or otherwise endorsed by any financial institution, including those that are advertising partners.

Message From P. C. Richard & Son Credit Card

Synchrony is a premier consumer financial services company delivering customized financing programs across key industries including retail, health, auto, travel and home, along with award-winning consumer banking products. With more than $149 billion in sales financed and 75.5 million active accounts, Synchrony brings deep industry expertise, actionable data insights, innovative solutions and differentiated digital experiences to improve the success of every business we serve and the quality of each life we touch. We’ve built relationships with national and regional retailers, healthcare providers, manufacturers and more. We serve hundreds of thousands of partner locations across the U.S. and Canada, and each one is important to us. Our financial expertise spans key product areas, including apparel, electronics and appliances, home furnishings, automotive, power products and sports, jewelry and luxury, other retail, elective healthcare procedures and services, and more.

P.C Richard and Son offers customers a credit card through Synchrony Bank, with a revolving credit limit to use again and again at P.C. Richard and Son locations. Securely access and manage your account online.

Contact

Hours of Operation

  • Sunday 8:00am - 12:00am
  • Monday 8:00am - 12:00am
  • Tuesday 8:00am - 12:00am
  • Wednesday 8:00am - 12:00am
  • Thursday 8:00am - 12:00am
  • Friday 8:00am - 12:00am
  • Saturday 8:00am - 12:00am

Other Services by Synchrony Bank

Icon for Personal Credit Cards
View all personal credit cards offered by Synchrony Bank

Availability

  Available in 50 states and Washington, D.C.
  • Alaska
  • Alabama
  • Arkansas
  • Arizona
  • California
  • Colorado
  • Connecticut
  • Washington, DC
  • Delaware
  • Florida
  • Georgia
  • Hawaii
  • Iowa
  • Idaho
  • Illinois
  • Indiana
  • Kansas
  • Kentucky
  • Louisiana
  • Massachusetts
  • Maryland
  • Maine
  • Michigan
  • Minnesota
  • Missouri
  • Mississippi
  • Montana
  • North Carolina
  • North Dakota
  • Nebraska
  • New Hampshire
  • New Jersey
  • New Mexico
  • Nevada
  • New York
  • Ohio
  • Oklahoma
  • Oregon
  • Pennsylvania
  • Rhode Island
  • South Carolina
  • South Dakota
  • Tennessee
  • Texas
  • Utah
  • Virginia
  • Vermont
  • Washington
  • Wisconsin
  • West Virginia
  • Wyoming

Feature Breakdown

No Annual Fee
Annual Fee $0
No Interest Grace Period for Late Payment 23 days
Minimum Interest Charge $2
Returned Payment Fee $28
Late Fee Amount Up to $39
Customer Type Personal
Minimum Age 18
Military Status
  • Active Duty Military
  • Non-Military
  • Veterans
  • Military Dependent
Employment Statuses Considered
  • Other
  • Employed Full-Time
  • Employed Part-Time
  • Self-Employed
  • Retired
Immigration Status Considered
  • U.S. Citizen
  • U.S. Permanent Resident
Credit Score Range 650 - 850
Credit Bureau Reporting
  • Experian
  • Equifax
  • TransUnion
Credit Card Benefits
  • Fraud Liability
Rewards Type No Rewards
Balance Computation daily balance
Purchase APR (Variable APR) 29.99%
Card Type
  • Store Card
Card Network Other

P. C. Richard & Son Credit Card Community Reviews

 

Would you recommend P. C. Richard & Son Credit Card to your friends?

Before we publish your vote:

Please explain your vote by sharing your experience.

Writing a review increases the credibility of your vote and helps your fellow users make a better-informed decision.

Please write a review to submit your vote
(will require moderator approval)

SUPERMONEY NET RECOMMENDATION SCORE

This product is strongly not recommended by SuperMoney users with a score of -100, equating to 1 on a 5 point rating scale.

-100

Recommendation score measures the loyalty between a provider and a consumer. It's at +100 if everybody recommends the provider, and at -100 when no one recommends.

sorted by

Other Personal Credit Cards

Synchrony Bank Personal Credit Cards

Loading...