20 months, no interest financing option
with equal payments†
10 months, no interest with equal monthly
5 months, no payment, no interest
or 9.9% Interest
Rate on extended financing
PROMOTION CREDIT MATRIX
5 Months No Interest No Payment*
10 Equal Monthly Payments with No Interest**
20 Equal Monthly Payments with No Interest**
24 Equal Monthly Payments with No Interest**
9.9% APR with 1/30th Minimum Payment***
9.9% APR with 1/40th Minimum Payment***
9.9% APR with 1/50th Minimum Payment***
7.9% APR with 1/60th Minimum Payment***
O.A.C. See reverse side
for complete information.
Birks Promotional Credit Disclosures
A card that gives you
a new level of service and convenience.In appreciation
of your loyal patronage, Birks is pleased to offer you Rewards.
Just use your Birks Card and you will earn gift certificates
equal to 1% of your total net purchases, taxes included.
Rewards Certificate based on a net minimum of $2,000 of
purchase made the previous calendar year.
Free jewellery cleaning:
present your Birks Card at any Birks location and receive
complimentary jewellery cleaning.
Free engraving of up to 10 characters with any purchase
of $200 or more on your Birks account. * some exceptions/restrictions
Delivery: Have any
purchases made on your Birks account delivered within
city limits of where your purchase was made, at no extra
charge. And as always, our signature Blue Box gift-wrapping
is free upon request.
Advance notice of
events: be the first in the know with advance notice of
all Birks special events, promotions and sales.
Birks happy birthday:
A $50.00 birthday certificate will be mailed to you on
the month of your birthday.
No transaction fees
option information please e-mail us at firstname.lastname@example.org
or contact us at 514-871-4048. For product
information call us at 1-800-758-2511.
*Some restrictions apply. All financing
options are subject to credit approval. See a sales associate
for full details.
** Subject to credit approval. Merchandise
restrictions apply. Minimum purchase of $4,000 applies to
the 20 Months option. 20 Month option cannot be used in
conjunction with any other offers or discounts. Interest
will be waived if the following two conditions are met:
(1) payment of all the minimum monthly payments (if any)
by the end of the promotional interest free period (2) payment
of the balance by the end of the promotional interest free
period. If the above payment is not made interest becomes
payable and is calculated at a rate of 28.8% per annum on
overdue amounts. Payment in full must be made prior to or
on due date. If the daily balance is $250 / $500 / $750
/ $1000, Finance/Credit Charge for 30 days will be, respectively,
$6.00 / $12.00 / $18.00 / or $24.00. All Birks payment plan
offers are limited to in-store purchases only. See a sales
associate for full details.
Promotional Offers are O.A.C with a Birks
credit card account
Months No Interest No Payment
payments are required during the promotional
period. Interest will not accrue during
the promotional period. Please see below
for further details+.
20 or 24 Equal Monthly Payments with No
monthly payment is calculated by applying
a special repayment factor that is based
on the number of months in the Promotional
Term to the amount of the Purchase. Interest
will not accrue during the promotional
(i) Special repayment factor on the amount
of the Purchase of:
10.00% of the amount of the Purchase for
a 10-month Promotional Term;
5.000% of the amount of the Purchase for
a 20-month Promotional Term;
4.167% of the amount of the Purchase for
a 24-month Promotional Term
Please see below for further details+.
Interest Rate with Fixed Payment
interest rate of 7.9% or 9.9%, accrues on
each Purchase during the Promotional Term
provided that you pay each monthly payment
under this Promotional Offer when due. Each
such monthly payment is calculated by applying
a special repayment factor to the amount
of the Purchase as specified on your sales
slip or invoice provided by the Merchant.
The minimum payment for this Promotional
(i) a special repayment factor on the amount
of the Purchase of:
3.334% of the amount of the Purchase for
a 1/30th Promotional Offer;
2.500% of the amount of the Purchase for
a 1/40th Promotional Offer;
2.000% of the amount of the Purchase for
a 1/50th Promotional Offer;
1.670% of the amount of the Purchase for
a 1/60th Promotional Offer.
Please see below for further details+.
+For all Promotional Offers: Purchases made
under Promotional Offers will be shown separately
on my billing statement. I must pay at least
the “Minimum Payment Due”, if
any, (which will include any applicable
Minimum Payment Due, plus fees and charges)
shown on my billing statement while any
Promotional Offer is applicable. I understand
and agree that if I fail to pay one (1)
Minimum Payment Due on my Account by the
Due Date on my statement, the Bank will
terminate the Promotional Offer. Upon expiration
and/or termination of a Promotional Offer,
interest will be charged at the Preferred
Rate until the account balance is paid in
full. The Preferred Rate of Interest is
29.9% per annum.
Balances under any Promotional Offer may
be combined, at the Bank’s option,
with balances under my standard terms upon
the expiration of any deferred or specified
time period applicable to a Promotional
Offer. If I default under this Agreement,
the Bank may increase the Annual Interest
Rate and/or revoke its consent to the deferral
of any Minimum Payments Due and/or accrual
of interest charges, immediately and without
any notice. If I use my account with a Promotional
Offer, I acknowledge and agree that the
terms of the Promotional Offer will modify
and become part of this Agreement and all
other terms and conditions will apply. The
standard provisions of this Agreement apply
to all transactions not subject to a Promotional