World of Diamonds Credit Program

World of Diamonds offers the Jewelry Accents Credit Card Program and American Dream Financing. This allows our customers to increase their purchasing power without tying up their other credit cards. It also allows them to purchase without interest payments by selecting a three, six, nine or twelve month same as cash options. The Jewelry Accents program is offered in conjunction with the Jewelers of America with credit provided by GE Capital Consumer Card Company. The American Dream program is offered by American General Financial Services. 90 Days or More Same as Cash It the purchase is paid off when due, the cardholder will not have to pay any interest. Minimum monthly payments are required. If not paid off during the promotional period finance charges will be assessed from the date of purchase. Low Monthly Payments With Jewelry Accents the payments are as little as $10 a month or 3% of the Outstand Balance, whichever is greater. The monthly payment on a $1000 purchase would be $30. With American Dream the minimum payment is 4% of the Outstanding Balance but not less than $20. No Annual Fee The Jewelry Accents Card is a free service. There is no cost for the card itself. Financing by American General Click Here Instant Credit Available It only takes a few minutes to apply. Jewelry Accents applications are entered in a terminal at World of Diamonds. American Dream applications can be made on line using the financing by American General button or by filling out an application at World of Diamonds. Jewelry Accents Revolving Line of Credit As with other credit cards, Jewelry Accents provides a revolving line of credit and can be used for repeat purchases at World of Diamonds The Jewelry Accents offer is subject to credit approval by GE Capital Consumer Card Co. Applies to purchases of jewelry of $100 or more made on a Jewelry Accents consumer credit card account. No finance charges will be assessed on the promotional purchase amount (excluding optional insurance charges) if you pay this amount in full by the payment due date shown on your billing statement. If you do not, finance charges will be assessed on the promotional purchase amount from the date of purchase. Minimum monthly payments are required during the promotional period. If minimum monthly payments are not paid when due, all special promotional terms may be terminated. Standard account terms apply to non-promotional purchases and, after promotion ends to your promotional purchases. Variable APR is 21.98% as of October , 2003 (based on prime + 14.73%). Fixed APR of 24.75% applies if payment is more than 30 days past due. Minimum finance charge is $1.