SUMMARY OF STERLING FAMILY OF JEWELERS CHARGE ACCOUNT TERMS
Interest Rates and Interest Charges
Annual Percentage Rate
17% 26.99% This APR varies by state
(APR) Purchases
See Paragraph 3 of the Retail Installment Credit Agreement
for details
How Avoid Paying
Your due date is at least 25 days after the close of each billing
Interest Purchases
cycle We will not charge you interest on purchases if you pay
your entire balance by the due date each month
Minimum Interest Charge
None to $1 The minimum interest charge varies by state See
Paragraph 5 of the Retail Installment Credit Agreement for details
For Credit Card Tips from
To learn more about factors to consider when applying for or
the Consume Financial
using a credit card visit the website of the Consumer Financial
Protection Bureau
Protection Bureau
at:
http://www consumerfinance gov/learnmore
Fees
Annual Fee
None
Penalty Fees
Up to $37 This fee varies by state See Paragraph 11.B of the
. Late Payment
Retail Installment Credit Agreement for details
$37.00
Up to $37 This fee varies by state See Paragraph 11.A of t the
. Returned Payment
Retail Installment Credit Agreement for details
How We Will Calculate Your Balance: We use a method called "average daily balance (including
new
purchases) except MN and NM: we use : method called "average daily balance (excluding new
purchases) in MN and NM. See the Retail Installment Credit Agreement for more details
Billing Rights: Information your rights dispute transactions and how to exercise those rights
is
provided your Retail Installment Credit Agreement
STERLING FAMILY OF JEWELERS RETAIL INSTALLMENT CREDIT AGREEMENT
Fee
not nermanently increase your credit limit. request the
19. Governing Law This Agreement and and your Account and
(a) Section regarding arbitration shall not apply you
NOTIFY THE SELLER WRITING T HIS MAIN OFFICE OR
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Federal law gives you the right limit only
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NOTICE: ANY HOLDER OF THIS CONSUMER CREDIT
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companies
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Authorized
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Companies not related common ownership or
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credit
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THIS THIS AGREEMENT TO PROTEI PROTECT YOUR LEGAL RIGHTS
each
MAY UNDER CERTAIN CERTAIN
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THE REPOSS BECAUSE your YOUR YOUR
check
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