|
Summary -
Pay 1/2 now
and 1/2 in equal payment over 6 months.
Buy what
you really need at half price.
Buy the backdrops
you need now. Don't wait until the layout is done. Easy install
now.
Build your layout
into the backdrops. 99.99% satisfied customers.
0% interest * if no
declines
With loss of income
protection (see bottom of TERMS item
7)
Example: Total purchase = $700
Pay $325 now and $64.71 in 6 payments.
| >> *Introductory offer
$ We will credit back the entire service charge on
the 6th payment << |
|
Requirements |
| 1) You MUST tell us you want this
option before the order is entered. We cannot go back and
change the order payment. You must call and place the order
1-800-540-1708 rather
than order on-line. On-line orders cannot be deferred payment.
2) Credit card sales only. Retail customers
only. MC, VISA, DISCOVER only |
| 3) USA only and shipping address = billing address. We
cannot verify billing address on outside of USA sales, sorry.
No ship to another address, sorry. |
| 4) Minimum total purchase = $400 |
| 5) Maximum deferred payment is $700. For sales over $1400,
any balance over $700 will be charged with the initial amount.
Example a total of $1500 will be charged $800 now and $700 deferred.
|
| 6 The APR( Annual Percentage Rate) (service charge) is 12% APR of the deferred
monthly balance. See table below. *Credited back on the final
payment if there are no declines. |
| 7) Deferred amounts are in fixed blocks shown in the table
below. |
| 8 The service charge (12% APR) will be charged even if we
collect payment early because of declined monthly payments. Be
sure your card is up to date and has available credit. You can
request early payoff and the service charge will be reduced by 50%
of the remaining months (example if total 6 month service charge
$20.29 and paid in 3 months then final charge is $20.29 - ($10.15 -
50%) = $15.22 . |
| 9) All discounts apply and the return policy and terms are
unchanged. |
| 10) We will need the toll free service number from the back of your
credit card. |
| 11) Monthly charges start 30 - 60 days after
the initial payment and charged day 1-3 of the month. Buy
backdrops June 10 and first monthly charge is August 1. |
|
TERMS |
| Please read carefully |
| 1) First decline of monthly payment
will incur an additional $5 charge, 2nd decline an additional $15
charge. Example: if there are 2
declines and the 3rd goes through, there will be an additional charge
of $20 for that month. You will be notified of each decline and
given a chance to fix it. *One decline will invalidate the service
charge credit on final payment. |
| 2) After 1 decline we may at our discretion cancel
the deferred payment and make the balance including the service
charge for 6 months due and payable immediately. You will not
be notified of this decision. If you have two declines, you can
expect to be charged the full remaining balance.
|
| 3) We will use the customer service number to contact your
credit card company if we are declined the monthly payment.
Also our bank is involved so they will help getting delinquent
payments. |
| 4) You agree to the terms of "Buy Now - Pay
Later" by requesting this option.
5) We will file a negative
credit report if necessary for declined or missed payments.
6) We can refuse to grant credit or
deferred payment to anyone at any time prior to charging your credit
card for the first "pay now" and without giving a reason.
We can refuse to continue at any time the deferred payment plan and
charge the remaining amount less service charge if we feel the
deferred plan is at risk.
7) A request to return (RMA) will
cause an immediate charge for the full unpaid balance less service
charge. No RMA will be processed with a balance due on Buy Now Pay
Later.
8) If you lose your retirement income
and cannot pay the monthly charge, we will waive the unpaid balance.
This only applies to social
security and company paid retirement and not loss in value of
investments or loss of job. You must prove the loss of the income
during the 6 month payback period.
For accounts that are delinquent, you agree to pay
30% APR (Annual Percentage Rate) starting with
the first day of the month
delinquency started plus all attorney fees, $15 / phone call and all collection fees until paid. Delinquent
accounts will be referred to a bill collector. |
| If you regularly max out your
credit card, have declines or swap credit cards, this program is not right for you. Payments
declined require us to manually process your account and we are in the
backdrop business, not collections. |
| |
Immediate charge$ = Total$ minus
deferred$ $700 - $375 = Pay
Now $325
| Total Purchase |
Pay NOW |
Deferred amount |
Total Service Charge* |
Monthly $
for 6 months |
| |
|
|
|
|
| $400 - $499.99 |
total - 225 |
$225 |
$7.93 |
$38.82 |
| $500 - $599.99 |
total - 275 |
$275 |
$9.71 |
$47.45 |
| $600 - $699.99 |
total - 325 |
$325 |
$11.47 |
$56.08 |
| $700 - $799.99 |
total - 375 |
$375 |
$13.22 |
$64.71 |
| $800 - $899.99 |
total - 425 |
$425 |
$15.01 |
$73.33 |
| $900 - $999.99 |
total - 475 |
$475 |
$16.76 |
$81.96 |
| $1000 - $1099.99 |
total - 525 |
$525 |
$18.52 |
$90.59 |
| $1100 - $1199.99 |
total - 575 |
$575 |
$20.29 |
$99.22 |
| $1200 - $1299.99 |
total - 625 |
$625 |
$22.05 |
$107.84 |
| $1300 - $1399.99 |
total - 675 |
$675 |
$23.81 |
$116.47 |
| $1400 - $ up |
total - 700 |
$700 |
$24.70 |
$120.78 |
|
