Cases & Investigations

Deferred Interest Credit Cards Lawsuit Investigation

PRACTICE AREAS: Consumer Protection
PRODUCT: Deferred Interest Credit Cards
CASE STATUS: Under Investigation

Step 1: Do you have a deferred interest credit card?

Step 2: Have you paid off part of a purchase on this card, but still been charged interest on the entire purchase?

Step 3: If you answered “yes” to the first two steps, please fill out the form on this page. You may be able to file a class action lawsuit.

If you have a deferred interest credit card, paid off part of a purchase on this card, were charged interest on the entire purchase, and are interested in discussing a possible case, please contact John Albanese at or (612) 594-5997.

About the case

Berger Montague is investigating the possibility that some deferred interest credit cards are charging illegal interest, violating state and federal law.

What is a deferred interest credit card?

Deferred interest credit cards are often offered by retailers and medical providers. These cards encourage people to make purchases on credit without having to pay interest, as long as the balance is paid in full within a specific timeframe.

However, if there is an unpaid balance at the end of the interest-free timeframe, the credit card company has the right to charge interest on the entire balance, including the portion you’ve already paid. Berger Montague is investigating whether some of these deferred interest charges violate federal or state law.

How do I know if I have a deferred interest credit card?

If you have a store-branded credit card, or a credit card that is advertised as charging “no interest until” a certain date, it is probably a deferred interest credit card. If you’re unsure whether or not your credit card has deferred interest, contact Berger Montague. We will review your card with you to determine if it is a deferred interest credit card.

Are you investigating any specific store credit cards? Yes.

Berger Montague is currently investigating credit cards associated with the following stores:

  • Raymour & Flanigan
  • Fred Meyer Jewelers
  • Namco Pool
  • Jordan’s Furniture
  • Mor Furniture
  • Samsung
  • Cub Cadet
  • Forest River
  • Pilgrim Furniture

However, this is not an exhaustive list. Other store-branded credit cards might also be charging illegal interest.

If you have a deferred interest credit card and have been charged interest on an entire purchase, despite paying off some of the balance, please fill out the contact form on this page.

Do I have to pay to consult with an attorney?

We are happy to talk with you about your potential claims free of charge. If we decide to represent you in a lawsuit, we will enter into a written contingent fee agreement with you. A contingent fee agreement means we only get paid if we win, and that we will receive our fees from the amount paid by the Defendant in the case.

Please contact us to discuss the details of your case. You may:

  1. Use the contact form on this page
  2. Email
  3. Call (800) 424-6690

Stay updated and follow us on:







Lead Attorneys

John Albanese Headshot

John Albanese


Request A Free Consultation

  • This field is for validation purposes and should be left unchanged.