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Minimum monthly payments for this plan during the promotional period will be the greater of: the amount of or 1% of your account balance (rounded to the nearest dollar).Crate and Barrel Credit Card Accounts are offered by Comenity Bank which determines qualifications for credit and promotion eligibility.The 18-month financing comes into play for purchases of more than 9.As always with special financing on store-card purchases, you need to read the fine print up front: Read the rules and you will see that in order to pay no interest, you have to pay off the entire amount before the 12 or 18 months are up.However, it does alleviate the interest-burden by offering ongoing, limited-time offers for special financing.

For purchases of 9 to 8.99, you are eligible for 12-month financing.The standard APR is either a variable APR of 27.99%, based on the Prime Rate, or a standard APR of 22.80%, depending on when you opened your account. See your Agreement for details specific to your Account."Net New Purchases" means purchases of goods and/or services made by you or any Authorized User on your Account minus any returns, refunds or credit adjustments, rounded to the nearest dollar.Many forum members who have this credit card report they use a little trick to get this extra cash back by purchasing Lowe’s gift cards at supermarkets so they can earn 6% on their home improvement purchases.This is an excellent strategy not only for saving money at Lowe’s, but also Home Depot and the countless other places you can buy gift cards for at your supermarket.

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