| Rewards | None. |
|---|---|
| Signup Bonus | None. |
| Annual Fee | $0 |
| Cardmember Agreement | View Here |
| Cash Advance APR | N/A |
| Cash Advance Fee | N/A |
| Late Payment Fee | Up to $41. |
| Purchases APR | 34.99% for new accounts opened under the current terms. |
| * Card terms and offers are subject to change. Confirm current details with the issuer. | |
CARD OVERVIEW
The P.C. Richard & Son Credit Card is a store card designed for customers purchasing appliances, electronics, and home furnishings from P.C. Richard & Son. Its main appeal is promotional financing on qualifying purchases rather than cash back or travel rewards. The card has no annual fee, but promotional terms and interest rates should be reviewed carefully.
Most users say the card can be helpful when making large purchases, particularly when special financing is available. Many reviewers mentioned that spreading payments over time can make expensive appliances or electronics more manageable.
On the negative side, some customers express frustration with financing terms, payment policies, and customer service experiences. Others find the card less useful for everyday spending because it lacks a traditional rewards program.
Personally, I think this card makes the most sense for loyal P.C. Richard & Son shoppers planning a significant purchase and able to pay it off within the promotional period. However, those seeking ongoing rewards, cash back, or travel benefits may find a general-purpose credit card more valuable. Read the financing terms carefully before applying.
RATE THIS CREDIT CARD
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Bro sorry, but some error occurred :O
J
More Trouble Than it's Worth
I signed up for this card during a big appliance purchase, and it's been a headache ever since. Confusing billing, unexpected fees , and barely any useful perks. I regret opening the account
