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35.88% in Arizona, California, Nevada, and New Mexico 18.00% in Florida 21.00% in Georgia and Texas
Periodic Rate
2.99% in Arizona, California, Nevada, and New Mexico 1.50% in Florida 1.75% in Georgia and Texas
Grace period for Repayment of balances for purchases
There is no FINANCE CHARGE on new charges to your account when there is no balance outstanding at the start of the billing cycle and if you pay the balance of your account in full by the due date shown on your statement.
Minimum FINANCE CHARGE
None, if paid during grace period, otherwise, $0.50 in Arizona, California, and Nevada; $1.00 in Florida and Georgia; and $0.75 in Texas. There is no minimum finance charge in New Mexico.
Method of computing the periodic FINANCE CHARGE
You may pay your entire balance in full or more than the minimum monthly payment at any time. We calculate the finance charge using the Average DailyBalance Method. To get the "Average Daily Balance" we take the balance of your account at the beginning of the billing cycle. not including any unpaid finance charges that are included in your account balance. and add any new purchases and subtract payment or credits each day(we do not add in any new purchases or subtract payments or credits in New Mexico). This gives us the daily balance. Then, we add up all the daily balances for the billing cycle and divide the total by the number of days in the billing cycle. This gives us the Average Daily Balance. We figure the FINANCE CHARGE on your account by multiplying the Average Daily Balance of your account by the Periodic Rate.
FEES
Annual Fee
California and Nevada:$5.00 Arizona,Florida,Georgia, New Mexico and Texas:$0.00
Late Payment Fee
A fee of $10.00 ($25.00 in Georgia) May be assessed for any portion of a Past Due Scheduled payment. There is no late fee in New Mexico.
Returned Check Fee
in the event that a check received from you as a payment or down payment on your account is not honored by your bank, a handling charge of $10.00 in Arizona; $15.00 in California; $25.00 in Nevada; $30.00 in Texas; $0.00 in New Mexico; or the amount charged by your bank, whichever is greater may be assessed.
Notice to buyers: The disclosures above are accurate as of the date of printing on October 1, 2021 and are effective October 1, 2021. These terms are subject to change after this date. Write to Prestigios Jewelers,1 wintergreen Dr. Huntley IL 60142, USA. query@prestigio.com or Call 1-800-311-5393 for the most recent version this agreement.
(209)400-8864
