Take advantage of deferred billing when you are ordering online or from a
catalog using our "Catalog Quick Order" (online order form). If you’ve received
a deferred billing promotion from Spiegel.com or you have a Spiegel catalog
with a promotion, we encourage you to participate in the program. It's simple.
Charge your order of $100 or more to your Spiegel® Credit Card or your Visa®,
MasterCard®, American Express®, Optima®, or Discover/NOVUS® credit card. Enter
your deferred billing code in the Deferred Billing Code field on the Order
Summary page beneath your Payment Information.
When you take advantage of the Deferred Billing Option, you won’t have to pay a
penny until later. Please refer to your catalog or e-mail for specific billing
date/payment date details. If you pay the entire deferred amount when it
appears on your billing statement, you won’t have to pay any finance charges on
that amount. If you choose not to pay the entire deferred amount when you’re
billed, the deferred amount will be added to your balance and finance charges
will be calculated on the new total balance. You simply make the regular
required minimum payment.
Deferred billing is subject to credit approval and applies only to purchases of
$100 or more charged to a Spiegel® Credit Card account or Visa®, MasterCard®,
American Express®, Optima®, or Discover/NOVUS® credit card. Does not apply to
previous purchases. Deferred billing purchases will be charged to your credit
card account according to the schedule in your promotion (refer to your catalog
or e-mail), however, they will reduce your available credit at the time of your
order and during the period of delay. (YOU CANNOT TAKE ADVANTAGE OF
DEFERRED BILLING IF YOU USE A DEBIT CARD.) After the period of delay,
regular credit terms will apply subject to the rules of your credit card
company.
Deferred Billing Disclosure for Spiegel accountholders:
When you use your Spiegel credit card account, no Finance Charges apply on
promotional credit plan purchases if the balance is paid in full before the
promotional period ends (90 days from date of purchase). If the promotional
credit plan purchase is not paid in full before the promotional period ends, or
regular revolving and/or any promotional plan payments are not paid when
required for three consecutive billing cycles, under this or any other Spiegel
promotional credit plan, the remaining balance will be included in your regular
revolving balance and regular credit terms will apply. As of
September 1,
2010
accounts are subject to an APR of 24.75%, this rate may vary, minimum Finance
Charge of $1.00 based on Average Daily Balance.
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