SUMMARY OF KAY JEWELERS AND KAY JEWELERS OUTL ET CHARGE ACCOUNT TERMS
the
right
Interest
Annual Percentage Rate
17% to 26 .99% This APR varies by state
(APR) for Purchases
See Paragraph 3 of the Retai Installment Credit Agreement
for details
How Avoid Paying
Your due date is a least 25 days after the close of each billing
Interest Purchases
cycle will not charge you 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 Consumer 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
Returned Payment
Up $37 This fee varies by state See Paragraph 11.A of the
Retail Installment Credit Agreement for details
ANNUAL
PERCENTAGE
How We Will Calculate Your Balance We use method called average daily balance (including new
NM
method
called
l'average
daily
balance
(excluding new
NM See the Retail Installment Credit Agreement more details
Billing Rights: on your rights to dispute transactions and how to exercise those rights is
Retail Installmen Credit Agreement
JEWELERS AND KAY JEWELERS OUTLET RETAIL INSTALLMENT CREDIT AGREEMENT
Promise
15 Change This Agreement To exter permitted
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be reduced amount necessary satisfy that limit
THE THIRD BUSINESS DAY FOLLOWING PURCHASE
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YOU ACKNOWI EDGE RECEIPT COPY OF THIS RETAIL
FACTS
WHAT DOES KAY JEWELERS AND KAY JEWEL ERS OUT LET
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97076-4485
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AMOUNTS
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NOTICE BUYER DO NOT SIGN LICATION
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question
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THE PROPERTY ESSED BECAUSE YOUR
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DEFAULI MAY OF
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fully
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YOUR PREMISES PREMISES OR COMMIT ANY BREACH
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PEACE TO RE ADDITION UNDER
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24. Military Lending Act Compliance This
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19. Governing Law: This Agreement and your Account
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SELLER
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market
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may
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charge
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on
any claim dispute from or
any
interest
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n excess
SENT OR BY DELIVERY NOT LATER THAN IIDNIGHT OF
0300 -30S-5678
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