*O.A.C. Subject to the terms of the Flexiti cardholder agreement. Minimum purchase may apply and varies based on promotional plan, contact Charm Diamond Centres for details. For no payments deferred plans, no payments are required during the promotional period, except for payment protection insurance premiums, fees and taxes, if applicable, which are billed monthly. Interest at the cardholder agreement annual interest rate (Account AIR) accrues during the promo period and will be charged if the balance is not paid in full by the promo expiry date. For no interest equal monthly payment plans, no interest will accrue during the promo period. Purchase amount is to be paid in equal monthly payments plus payment protection insurance premiums, fees and taxes, if applicable. For all plans, if any payment is missed, the promo offer may be cancelled and upon cancellation, interest will be calculated at the Account AIR. Initial Account AIR is disclosed upon approval, varies based on cardholder’s creditworthiness at time of application. Current Account AIRs are 30.99%, 35% (max for Quebec residents), and 37.99%. Admin fee of $34.99 applies on 12-month deferred in-store plans and $49.95 applies on 24-month equal monthly payment plan and will be financed with purchase (not applicable for Quebec residents) and is payable in full if the promo is paid off early. Annual fee of $39.99 applies for residents of Quebec. Any balance at end of promo term bears interest at the Account AIR. No payments deferred plans are not available for Quebec residents, however, other deferred interest promos are available. Promo and terms may be changed without notice. Conditional upon ID verification and on approved credit and valid email address required. Applications may be subject to a secondary, manual review. Financing provided by Flexiti Financial. Flexiti, FlexitiCard, and Flexiti Financial are trademarks of Flexiti Financial Inc.