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No Interest, No Payments for 90 Days*

If the promotional balance (which includes the promotional purchase and related fees for optional credit insurance) is not paid in full by the end of the promotional period, you fail to make a required payment on your account when due, go over your credit line, or make a payment to us that is not honored, or otherwise fail to meet the terms of the promotional offer, periodic finance charges will be imposed from the date of the purchase until paid in full at a purchase rate of up to 24.99% APR, except when your account is at the default rate, which is up to 29.99% APR. These APRs are as of 8/13/2009 and will vary with the market based on the Prime Rate. See your new account disclosures if you opened an account today or your card agreement for details including the purchase and default APRs on your account and when the default rate applies.

Offer available only with credit approval for qualifying purchases made on the Zale Credit Card. Offer is only valid for consumer accounts in good standing and is subject to change without notice. Offer may not be combined with any other credit promotion offer.