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*subject to credit approval. Low APR, Equal Payment. Minimum purchase required: $1000 for 12 months; $2000 for 24 months. When you use your Z Gallerie credit card account, Interest is assessed on promotional credit plan purchases from the date of purchase through the end of the promotional period. The minimum payment will be the amount of the purchase including the calculated finance charges that will be assessed from the date of purchase through the end of the promotional period divided by the number of months between the date of the purchase and the promotional period end date (minimum $10.00) rounded up to the nearest whole dollar. If the promotional credit plan purchase is not paid in full before the promotional period ends or if you fail to make any payment when due, the remaining balance will be included in your regular revolving balance and regular credit terms will apply. During the promotional period, the promotional credit plan purchase is subject to an APR of 9.99%. After the promotional period ends regular credit terms will apply and the APR will be a variable rate, as of 06/01/10, that APR is 24.99%, minimum monthly FINANCE CHARGE of $1.00. Online purchases are not eligible for Z Gallerie Card promotions such as the deferred interest, or the equal payment plans. Shop in stores or call 1-800-908-6748 to purchase products with your Z Gallerie Credit Card and be eligible for the credit card promotions.