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Dell Preferred Account™

Credit Agreement

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Interest Rates and Interest Charges
Annual Percentage Rate (APR) for Purchases 19.99% to 29.99% depending on your creditworthiness.
      This APR will vary with the market based on the Prime Rate.
How to Avoid Paying Interest on Purchases Your due date is at least 22 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.
Minimum Interest Charge If you are charged interest, the charge will be no less than $2.00.
For Credit Card Tips from the Consumer Financial Protection Bureau To learn more about factors to consider when applying for or using a credit card, visit the website of the Consumer Financial Protection Bureau at
Annual Fee None
Penalty Fees
  • Late Payment
  • Returned Payment
Up to $35
Up to $35

How We Will Calculate Your Balance: We use a method called "average daily balance (including new purchases)." See the account agreement for more details

Annual Percentage Rate (APR) for Purchases: The APR for Purchases is a variable APR determined by adding a margin of 16.74 to 26.74 percentage points to the Prime Rate index. The daily periodic rate is 0.05477 to 0.08216 percentage points.

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