No Interest if Paid in Full within the 12 months with regular monthly payments. Interest will be charged to your account from the purchase date if the purchase balance is not paid in full within the promotional period.**The Penn Dutch Furniture credit card is issued by Wells Fargo Financial National Bank. Special terms apply to qualifying purchases charged with approved credit. Regular monthly payments are required during the promotional (special terms) period. Interest will be charged to your account from the purchase date at the APR for Purchases if the purchase balance is not paid in full within the promotional period. For newly opened accounts, the APR for Purchases is 28.99%. This APR may vary with the market based on the U.S. Prime Rate and is given as of 01/01/2017. If you are charged interest in any billing cycle, the minimum interest charge will be $1.00.