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Christmas purchases can be hard
to budget ... why not use your
Wards Charg·all credit account!
Wards Charg-all Credit Plan Monthly
Payment Table
Your highest
For monthly
Your highest
For monthr,
account balance: payment of: account balance: payment o:
$160.00
$ 8.00
$532.00
$19.00
9.00
560.00
20.00
180.00
10.00
588.00
21.00
• No down payment required
210.00
616.00
22.00
• We figure tax and shipping
250.00
11.00
charges
290.00
12.00
644.00
23.00
• Over 2000 stores to shop
672.00
340.00
13.00
700.00
24.00
25.00
• Detailed monthly statements
•Up to three years to pay-
380.00
14.00
see credit terms below.
728.00
26.00
410.00
15.00
440.00
16.00
470.00
17.00
504.00
18.00
756.00
784.00
812.00
840.00
27.00
28.00
29.00
30.00
Shop the easy way!
Just phone Wards,
and say,
For balances above $840 and additional
credit terms, see below.
"Charge it!"
TERMS OF WARDS CHARG·ALL AND CHARG·ALL PLUS CREDIT ACCOUNTS
You may use your Wards Charg-all or Charg-all Plus account
as a regular charge account, with no
finance charge
if the
account balance is paid in full before the next billing date, or a
finance charge
at a periodic rate of
1\12%
per month on the
average daily balance of the account
(annual percentage
rate
18%).
The average daily balance is determined by adding
the balance outstanding for each day of the billing cycle and
dividing the sum thereof by the number of days in the billing
cycle. The balance outstanding on each day is determined
by adding to the previous day's ending balance any charges
(including any unpaid
finance charges)
and subtracting
therefrom any payments or credits. Minimum
finance charge
not exceeding 50¢ on balances up to $33. When there is an
outstanding balance on both your Charg-all and Charg-all
ORDER NOW ...
no payment until February!
See Deferred Payment Terms below.
When you order merchandise listed below on credit through
the catalog, you can defer payment (or increase in your month–
ly payment) until February,
1976.
And, there's no down payment
required!
Air conditioners
Dehumidifiers
Dishwashers
Draperies
Fencing, chain-
link or wood
Floor coverings
Floor polishers
Freezers
Furniture
Gas
&
electric ranges
Humidifiers
Installed kitchen
cabinets
Ironers
Lamps,$49.00 or more
Phonographs
Radios
Recorders
Refrigerators
Rugs, carpeting
Sewing machines
Snow throwers
Space heaters
Stereos
Television sets
Upholstery goods
Vacuum cleaners
Washers, dryers
FEBRUARY DEFERRED PAYMENT TERMS may be used
when you order on a Charg-all or Charg-all Plus account. On
purchases for which payment is deferred more than 30 days,
monthly finance charges will be assessed. For additional
credit terms, see paragraph above.
Plus accounts, Wards will combine the amounts upon which
finance charges
are assessed. This will benefit you because
we will adjust the
finance charge
on your Charg-all Plus
statement so that the total
finance charges
will be the same
as if you had only one account. The minimum monthly pay–
ments for Charg-all are shown in the table above (mini–
mum $8). For Charg-all balances above $840 and all Charg-all
Plus balances, minimum monthly payment is 1/28th of highest
account balance. All payments adjusted to next dollar amount
(minimum $8). These are Wards Illinois terms. If you live in
another state, please ask Wards for credit terms applicable
to your state of residence. Charg-all Insurance Protection is
available in selected states; see page
148
and apply on page
149.
CHARG-ALL PLUS ..•
For selected items of merchandise
Charg-all Plus makes selected large purchases more conveni–
ent to budget. There's no down payment required and you can
take up to 3 years to pay. See credit terms above.
If you already have a Charg-all account in good standing, just
indicate that you want to use Charg-all Plus terms when plac–
ing your eligible order. Open an account with a purchase of
$100
or more. Then purchases of
$50
or more may be added to
your account.
-
Here are some of the items you may pur.chase with Charg-all
Plus: APPLIANCES like Freezers, Phonographs, Radios,
Ranges, Recorders, Sewing Machines, Televisions and Vacu–
ums; HOME IMPROVEMENTS like Carpeting, Furniture, Dra–
peries and Rugs; and MUCH MORE like Lighting Fixtures,
Musical Instruments and Power Tools. See complete list on
page 942 in Wards Big Fall Book.
c
WARDS
147