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