Credit Account Information

• No annual fee
• Low monthly payments
• No pre-payment penalty
• More purchasing power
• Available on selected items (Look for the symbols)

Applying Is Easy

Now you can apply in the comfort of your own home! Apply online today with the reassurance of knowing that the application process is private and confidential from beginning to end.

To apply for a credit account, you will need to provide your full name, address, social security number, and other such information as requested. Use one of the methods below to apply for credit.

• Online: Simply click on the "Apply Today for your Credit" button below to begin the quick application process. You will generally receive an answer within 2 minutes. Upon approval and verification, your approval sheet will pop up indicating account number, credit line amount & key reference number. We recommend that you print out your approval sheet so that you can reference your information in the future.

Accounts are available to United States residents only.

Click Here to Apply Today for the Sit4Less Credit Card!

How to Use your Credit Account

After your application has been approved, using your account is easy! You can use your account online. When you are completing a sale in our shopping cart, simply select GECAF Account as your form of payment. You must have completed the application prior to checkout. Simply enter your account number into the form, along with your reference number, & your personal selection of Financing Options.

Financing Options

90 Days Deferred Payments & Interest

• No Payment or Interest for 90 days - Subject to credit approval.
• 0% Interest Rate if paid within 90 days.
• No application fee.
• Easy online credit application.

Low Monthly Payments

• 24 small monthly payment - Subject to credit approval.
• Opportunity to buy a better item for just dollars more a month.
• Low 9.99% Interest Rate.
• Easy online credit application.
• No application fee.
• No money down, no advanced payments or security deposits required.

Terms & Disclosures

Sit4Less.com Credit Affiliation

Credit is subject to approval by a third party credit company, Monogram Credit Card Bank of Georgia. Sit4Less.com has no influence or control over credit approval. Sit4Less.com also has no control over future billing statements. Please call (877) 317-5544 for questions regarding your account application and purchases.

90 Days Pay Later Promotion

No Payment/Deferred Interest Advertising Disclosure

Offer is subject to credit approval by Monogram Credit Card Bank of Georgia. Applies to purchases of selected items as inidcated on website made on a GECAF consumer credit card account. No finance charges assessed and no monthly payments required on the promotional purchase amount (excluding optional insurance charges) if you pay this amount in full by the payment due date as shown on your (expiration month) billing statement. If you do not, finance charges will be assessed on the promotional purchase amount from the date of purchase and minimum monthly payments will be required on the balance of the amount. If minimum monthly payments on any other balances on your account (including optional insurance charges) 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 23.98% as of May 16, 2003.

Low Monthly Payment Promotion

Fixed Payment/Reduced APR Advertising Disclosure

Offer is subject to credit approval by Monogram Credit Card Bank of Georgia. Applies to purchases made on a GECAF consumer credit card account. Minimum monthly payments of a fixed amount of 4.61% for 24 months of the promotional purchase amount (plus optional credit insurance charges) will be required each month in addition to any other required minimum payment. Finance charges will be assessed on the promotional purchase amount from the date of purchase at the fixed daily rate of .0274% (corresponding fixed ANNUAL PERCENTAGE RATE of 9.99%). If minimum monthly payments on your account(including optional insurance charges) 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 (date)(in PR, the fixed APR is 22.48%). Fixed APR of 24.75% applies if payment is more than 30 days past due. Minimum finance charge is $1 ($0 in PR).

Frequently Asked Questions

• Do I need to make a purchase before applying for financing?
• What is the interest rate on the Fixed Payment option?
• What happens if I take more that 90 days to pay off the balance on the Pay Later promotion?
• What is my minimum payment?
• Can I see what my bill will look like?
• What is the status of my online credit application?
• Where should I send my credit payment?
• How do I change or obtain general information about my credit account?
• Who do I contact regarding errors on my credit account bill?
• Is there an annual fee on my credit account?
• Can a business apply for this?
• Where can I use my credit account?
• Is there a prepayment penalty?
• What is GEGAF?
• Is there a grace period?

Do I need to make a purchase before applying for financing?

You do not need to purchase prior to applying! In fact, we recommend that you browse before you apply. Remember that you can use your credit account in our stores, as well.

What is the interest rate on the Low Monthly Payment option?

The rate is currently 9.99%. Please see the terms & disclosures above.

What happens if I take more than 90 days to pay off the balance on the Pay Later promotion?

It is in your best interest to pay off your balance before the end of 90 days. However, if you cannot, the deferred interest that has been accruing on your balance will be added to the principal. Minimum monthly payments will be required. Please see the terms & disclosures above.

What is my minimum payment?

That depends on your promotion!

If you choose 90 Days Pay Later- the payment is deferred for that time period. After the 90 days your minimum payment is 3% of the outstanding balance or $10, whichever is greater.

If you choose Low Monthly Payments - 4.61% for 24 months of the promotional purchase amount will be required each month in addition to any other required minimum payment

Can I see what my bill will look like?

In your first billing statement, you will receive an insert that explains everything you will see.

Click here to see an example.

What is the status of my online credit application?

If you are approved, you will see an approval Pop-Up sheet indicating your account number, credit line amount, & a key reference number.

If you are not approved, you will receive a message stating the application is pending, & you will receive a letter within 7-10 business days. You can call (877) 317-5544 with further questions.

Where should I send my credit payment?

Payments can be sent to:

Monogram Credit Card Bank of Georgia
P.O. Box 9001557
Louisville, KY 40290-1557

How do I change or obtain general information about my credit account?

Please call: (877) 317-5544

Who do I contact regarding errors on my credit account bill?

Please call: (877) 317-5544

Is there an annual fee on my credit account?

No annual fee!

Can a business apply for this?

Unfortunately, we do not have the capability to accept businesses.

Is there a prepayment penalty?

No.

What is GEGAF?

The GECAF Private Label Card is a line of credit that can be used to purchase merchandise at Sit4Less. The GECAF card frees up your major bankcards for other purchases plus extended financing terms are available. The GECAF card offers you additional buying power!

Is there a grace period?

Because of the purchases made on this credit account are all promotional, there is no grace period. Please see the Financing Options above.

Contact Information

Phone: Call (877) 317-5544 to speak with a Customer Service Representative regarding your credit account and purchases.

Address: Payments can be sent to:

Monogram Credit Card Bank of Georgia
P.O. Box 9001557
Louisville, KY 40290-1557