SUMMARY OF STERLING FAMILY OF JEWELERS CHARGE ACCOUNT TERMS
Interest Rates and Interest Charges
Annual Percentage Rate
17% 29.99% 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
cvcle We will not charge interest 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 $39 This fee varies by state See Paragraph 11. B of the
. Late Payment
Retail Installment Credit Agreement for details
Up to $39 This fee varies by state See Paragraph 11.A of the
. Returned Payment
Retail Installment Credit Agreement for details.
How We Will Calculate Your Balance We use method called "average daily balance (including new
except tNM and NM method called "average daily balance (excluding new
purchases in MN and NM. See the Retail Installment Credit Agreemen more details
ANNUAL
Billing Rights: Information your rights dispute transactions and how to exercise those rights
is
RATE
provided your Retail Installment Credit Agreement
FAMILY OF RETAIL CREDIT AGREEMENT
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PURCHASE A PARTY UNDER THIS AGREEMENT HAS THAN
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BRANCH BY ORDINARY MAIL POSTED POSTED. BY TELEGRA
How does Sterling Family Jewelers
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YOU ACKNOWL EDGE RECEIPT COPY OF THIS RETAIL
any
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ALLMENT CREDIT AGREEMENT
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Credit
Investigation
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to you.
The types persona information we col lect and share depend on the product o
How does Sterling Family of
Jewelers
collect
We collect your personal information for example
consumer
Buyer
Signature
What?
you
have
with us.
This
information
can
include
my personal information?
when you
Notice
Florida
Residents
The
have
request
above
are
authorized
by
Chapter
655
of
Social Securit number and account balances
the
Florida
date
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open
account
give
your
contact
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Payment
history
history
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history
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Residents
pay your bills apply for loan
Subtitle
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use your credit or debit card
apply
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Notice Michigan Residents The seller retains
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All financial companies need share customers personal information to run their
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Security
bureaus
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Why can't limit sharing?
F dera law gives you the right limit only
defaults
20. Change Address Other Contact Information You
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chooses share and whether you can limit this sharing
report
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affiliates
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CREDIT TERMS AND CONDITIONS
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Your Rights You Are Dissatisfier With Your Credit Card
For
our
everyday
purpose
FOR THE STERLING FAMILY OF
information
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maintain
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sharing for non haffiliates marke you
your
rights
Purchases
such
respond
legal
YES
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JEWELERS ACCOUNT
State
laws
and
individual
companies
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give
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amount
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non
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additional rights sharing
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sell
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problem
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think
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Assignment
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right
pay
the
remaining
amount
due
on
products
services
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YES
NO
Definitions
losing
that
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NOTICE: ANY HOLDER OF THIS CONSUMER CREDIT
For joint marketing with other financial
unde
NO
We don't share
Affiliates
Companie
related
by
common
ownership
control
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WHICH
AGAINST
after
appeared
18.
Customer
22. Liability Unauthorized Use
your
They be financial and nonfinancial
SELLED
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For
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everyday
busine
purposes
HERETO
with THE PROCEEDS DERTOR SHALL NOT EXCEED
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about
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NO
We don't share
-
Sterling Family of Jewelers does not share with
want
stop
payment
or
the
affiliates.
AMOUNTS
PAID BY
THE
DEBTOR
HEREUNDER
For
our
affiliates
everyday
business
purposes
NO
We don't share
Nonaffiliates
about
Companie not related common ownership
NOTICE
NOTICE
BUYER:
1. DO NOT
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must
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AND/OH
CREDIT
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card
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the
amount
For our nonaffiliates market to you
NO
We don't share
companies
you MAY ANY ANY THE TIME DAY
credit
card
do
.
Sterling
Family
Jewelers
does
not
share
with
$50.00
qualify
OUTS
What
Will
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Receive
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they
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market
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23.
Authorized
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full
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two
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formal
nonaffiliated
financial
YOU MAY UNDER CERTAIN CERTAIN CIRCU CIRCUM STANCES REDEEM REDEEM
Within
BECAUSE
EVER
purchase
contac
companies that together market financial products or
PROPERTY MAN REPOSS SESSED YOUR IONS
above
services you
DEFAULI
SEQUIRE
RESALE
CONDITIO
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2
days
letter
must
While
the
rules
apply
disputed
.
Sterling
Family
Jewelers
does
joint
THE
SELLER
HAS
RIGHT
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ENTER
ENTER
explain
to you
why
OR
YOUR PREMISES 599 coops NDER
ANY
correct
24.
Military
Act
Compliance
This
Agreement
AGREEMENT ADDITIONAL NOTIC FOR MASSACHUSETT
While
investigate
whether
not
there
has
been
and
you
pay
may
0300-30F-5678
any
survive
error
8/19
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