Call
0
Cart
Product Quantity Price
0 Items in Cart
100% SECURE SHOPPING
Order Status  |  Quick Order
Interest Rates and Interest Charges

Annual Percent- age Rate (APR) for Purchases

5.75% - 23.99%

How to Avoid Paying Interest on Purchases

Your due date is at least 25 days after the close of each billing cycle. We will not charge you interest on purchases if you pay your entire balance by the due date each month.

Minimum Interest
Charge

VARIES BY STATE
$0.00 - $1.00

For Credit Card Tips from the Consumer Financial Protection Bureau

To learn more about factors to consider when applying for or using a credit card, visit the website of the Consumer Financial Protection Bureau at http://www.consumerfinance.gov

Fees

Annual Fee

None

Penalty Fees
Late payment fee

Returned Payment

VARIES BY STATE
$0.00 - $15.00

VARIES BY STATE
$0.00 - $25.00

FINANCE CHARGES: AL 21% up to $750, 18% over $750; AR 5.5% Variable (Federal Reserve Discount Rate plus 5%); CO, GA, IN, MS, OK, TN, TX, VT, WY 21%; FL, GU, LA, MA, MN, NC 18%; NE: 21% up to $499.99 18% over $499.99; All other states 23.99%

LATE CHARGES: If you live in one of the following states and you fail to pay the full Minimum Payment Due (Minimum Monthly Payment plus any past due amount) on or before the due date listed on your monthly statement you will be assessed a late payment fee as follows, not to exceed the minimum payment due: AK, AR, CO, CT, DC, GA, IN, MD, MI, MS, MN, ND, NH, NV, NY, OH, OR, VI, WI-$10 after 10 days if balance less than $100, $15 after 10 days if balance $100 or more; FL, IL, MT, NJ, WY - $10 after 10 days; ME-lesser of 5% or $10 after 15 days; RI-$10 after 30 days; VA - $10 after 30 days if balance less than $100, $15 after 30 days if balance $100 or more; IA- $10 after 1 day if balance less than $100, $15 after 1 day if balance $100 or more; CA-$10 after 15 days if balance less than $100, $15 after 15 days if balance $100 or more; TX-$10 after 21 days; HI, WV -the lesser of 5% or $15 after 10 days; SC-the lesser of 5% or $10, at least $5.80 after 10 days; MA-the lesser of 10% or $10 after 15 days; NE-the greater of 5% or $5 not to exceed $15 after 10 days; AL, KY, LA -the greater of 5% or $10 not to exceed $15 after 10 days; ID, OK, $10 if balance less than $100, the greater of 5% or $15, not to exceed $15 on balances of $100 or more, after 10 days; UT-$10 if balance less than $100, the greater of 5% or $15 not to exceed $15 on balances of $100 or more, after 1 day; AZ, KS, MO-$5 on installments of $25 or less, $10 above, after 10 days; NC-$5 on installments of $100 or less, $10 above, after 30 days; WA - $10 on accounts with an average balance of $100 or more, less than $100 average balance greater of $2 or 10% of balance not to exceed $10.

RETURNED PAYMENT: If you live in the following states, you will pay a returned check charge for each check, order, or electronic payment instruction returned to us or not paid by your bank; fee will not exceed the minimum payment due at the time the check is received; AL, HI, MN, SC, AR, CO, FL, IL, NH, OK $25: AK, CT, DC, ID, IN, IA, KY, ME, MA, MI, MS, MT, NJ, NM, NV, NY, ND, OH, TN, UT, VI, WI, $20: CA, MD, MO, TX, $15: AZ, KS, PR, $10: GA, LA greater of 5% of check amount or $25.

MINIMUM FINANCE CHARGE: AK, CA, CT, DE, FL, GA, ID, IL, IA, KS, KY, NV, NH, NM, ND, OH, OR, RI, UT, VA, VI, WA: $1.00; TX: $0.75; GU, MI, MO, NY, TN: $0.70; AR, DC, HI, MD, NE, NC, PR: None; All Other States: $0.50

 PRESCREEN & OPT OUT NOTICE:This "prescreened" offer of credit is based on information in your credit report indicating that you meet certain criteria. This offer is not guaranteed if you do not meet our criteria. If you do not want to receive prescreened offers of credit from this and other companies, call the consumer reporting agencies toll free at 888-567-8688 or write TO Equifax Options, PO Box 741023, Atlanta, GA 30374-0123 or TransUnion Name Removal Option, PO Box 505, Woodlyn, PA 19094 or go to www.optoutprescreen.com.

 TERMS OF THE OFFER: Our offer to provide you a credit account ("Account") is conditioned on your meeting certain creditworthiness requirements that we have established for the Account. You authorize us to obtain a consumer report on you. You may receive an Account with a credit limit from a minimum of $50 up to the amount stated on the order form, or a higher amount determined by us. We may not provide an Account to you, or we may limit the amount of credit initially available to you, if you do not meet our creditworthiness requirements. Offer not available if we cannot verify information about you or if you cannot enter into a binding contract. You request that we open an Account for you and provide you a credit card if available. (Upon approval of an account, we will send you a copy of the account agreement. You will have an opportunity to return the merchandise and cancel the account after you have reviewed the agreement. Instructions will be included in the information you receive.)

 SPRING HILL CREDIT TERMS effective July 1, 2012

FINANCE CHARGES: A FINANCE CHARGE will be imposed for a monthly billing cycle if the New Balance shown on the previous monthly statement is not paid in full by the due date shown on the previous statement. We figure the FINANCE CHARGE on your account by applying the applicable periodic rate to the "average daily balance" of your account (including current transactions except in MA, MN, MT, and NM) but not less than the MINIMUM FINANCE CHARGE (if any). The ANNUAL PERCENTAGE RATE and the MINIMUM FINANCE CHARGE are shown in the chart to the left. The appropriate periodic rate is equal to one twelfth (1/12) of the applicable ANNUAL PERCENTAGE RATE. To get the "average daily balance," we take the beginning balance of your account each day, add any new purchases (except in MA, MN, MT and NM, where new purchases will be included as of the start of the next billing cycle), and subtract any payments or credits and unpaid finance charges, late charges, and returned check charges. This gives us the daily balance. Then, we add up all the daily balances for the billing cycle and divide the total by the number of days in the billing cycle. This gives us the "average daily balance."

 PAYMENTS: Each month you must pay at least the full Minimum Payment Due (Minimum Monthly Payment plus any past due amount) on or before the due date shown on your monthly statement. Your Minimum Monthly Payment is determined based on the highest new balance ("HNB") of your Account, in accordance with the table below or, if the HNB exceeds $1,800, then 3.34% of the HNB. The HNB is the highest principal balance of your Account since it was last paid in full. This means that the Minimum Monthly Payment will not decrease unless your Account is paid in full, but we reserve the right to recalculate the HNB based on returned merchandise or Account adjustments. We can apply your payments to fees and charges or amounts financed in our sole discretion, subject to applicable law. Payments in excess of the minimum will not reduce future Minimum Monthly Payments.

Minimum Monthly Payment

$10

$15

$20

$25

$30

$35

$40

$45

$50

$55

$60

New Balance

$100

$150

$200

$400

$600

$1,000

$1,200

$1,350

$1,500

$1,650

$1,800

 LATE CHARGES: If you fail to pay the full Minimum Payment Due (Minimum Monthly Payment plus any past due amount) on or before the due date listed on your monthly statement you will be assessed a late payment fee according to the top left table, subject to any regulatory limitations.

 RETURNED CHECK CHARGE: You will pay a returned check charge, as listed top left, for each check, order, or electronic payment instruction returned to us or not paid by your bank, unless prohibited by law. Returned checks may be processed electronically.

 ACCELERATION: We will have the rights, subject to applicable law, to (i) terminate credit privileges on the Account without notice, and (ii) declare your Account balance immediately due and payable if: you fail to pay the full Minimum Payment Due (Minimum Monthly Payment plus any past due amount) when due; you do not follow these rules in any way; you have made any false or misleading statement to us; you die; or you become insolvent or the subject of bankruptcy or other insolvency proceedings.

 COMMUNICATION: We may use contact information you provide to contact you from time to time regarding your Account. We may contact you in any man- ner consistent with the information you have provided. For example, once you have provided contact information, we may contact you by telephone, e-mail or text message. We may use automated technology for the purposes of contacting you, including but not limited to automatic dialing or similar equipment. We may call you on your mobile telephone. We may monitor or record calls from you to us and calls from us to you. When you give us your mobile tele-phone number we may contact you at that number using automated dialing equipment and we can leave pre-recorded or other messages, as allowed by law.

 ADDITIONAL PROVISIONS: These rules are the contract that applies to your Account. We reserve the right to close your Account or deny authorization
of transactions to it, also may add to, delete from, or amend these rules ("Change") from time to time by sending you written notice. To the extent permitted by applicable law, your use of the Account after notice of a Change will indicate your agreement to the Change. We may apply a Change to your existing Account balance as well as to future transactions to the extent permitted by applicable law. You agree to give us permission to access your credit report in connection with any transaction, or extension of credit, and on an on-going basis, for the purpose of reviewing your Account, adjusting the credit line on your Account, taking collection action on your Account or for any other legitimate purposes associated with your Account. Upon your request, you will be informed of whether or not a consumer report was ordered, and if it was, you will be given the name and address of the consumer reporting agency that furnished the report. To the extent allowed by applicable law, you agree to pay our attorneys’ fees and collection costs if you do not follow these rules. We may assign
(and change) a credit limit on your Account. You agree that we may accept late or partial installment payments from you without losing any of our rights. You agree not to send us payments marked "paid in full," "without recourse," or with similar language. If you send such a payment, you agree that we may accept it without losing any of our rights under any agreement between you and us. All written communications concerning disputed amounts, including any check or other payment instrument that indicates that the payment constitutes "payment in full" of the amount owed or that is tendered with other conditions or limitations or as full satisfaction of a disputed amount, must be mailed or delivered to Special Account Handling, 1112 7th Ave, Monroe, WI 53566. No payment will operate as an accord and satisfaction without the prior written consent of one of our senior officers.
You agree not to make purchases in excess of the limit. We may assign this agreement, your Account, or our rights to payment from you, in whole or in part. Any waiver of our rights is effective only if in writing and signed by us. These terms are the complete agreement between you and us regarding your Account, and supersede any prior terms. If you think we reported incorrect information to a credit bureau, write us at CREDIT DEPARTMENT at the address in the Billing Rights notice. Please send us a copy of the report with the inaccurate information if you have it.

ANY HOLDER OF THIS CONSUMER CREDIT CONTRACT IS SUBJECT TO ALL CLAIMS AND DEFENSES WHICH THE DEBTOR COULD
ASSERT AGAINST THE SELLER OF GOODS OR SERVICES OBTAINED PURSUANT HERETO OR WITH THE PROCEEDS HEREOF. RECOVERY HEREUNDER BY THE DEBTOR SHALL NOT EXCEED AMOUNTS PAID BY THE DEBTOR HEREUNDER.

 ARBITRATION: By requesting an Account, you and we agree that all disputes, claims, or controversies arising from or relating to your request for an Account, your Account, these rules, or any purchase on your Account, or the relationship arising from the foregoing, including the validity of this arbitra- tion clause, shall be resolved by binding arbitration conducted between you, individually, and us. The arbitrator will have no power to conduct a class or representative arbitration (and this entire arbitration provision shall be void if this limitation is not enforced). At your written request, we will pay reasonable filing, hearing, or administrative costs charged to you by the arbitration firm or arbitrator. This arbitration provision is made in connection with a transactionin interstate commerce, and all arbitration under this provision shall be conducted under the auspices of a single arbitrator selected in accordance with the procedures of the American Arbitration Association and shall be conducted pursuant to the rules of such organization and shall be governed by the Federal Arbitration Act. You agree and understand that you have a right or opportunity to litigate disputes through a court, but that you, individually, and us have chosen to resolve disputes through arbitration. SPRING HILL AND YOU VOLUNTARILY AND KNOWINGLY WAIVE ANY RIGHT THEY HAVE TO A JURY TRIAL IN CONNECTION WITH ANY AND ALL DISPUTES, CLAIMS, OR CONTROVERSIES COVERED BY THIS ARBITRATION PROVISION. You agree and understand that all disputes arising under case law, statutory law (federal, state, or local), and all other laws, including, but not limited to, all contract, tort, and property disputes, will be subject to binding arbitration in accord with this provision. If you would like to obtain a copy of the procedures and rules of the American Arbitration Association, 13455 Noel Road, Suite 1750, Dallas, TX 75240-6620 or through their website at www.adr.org.in interstate commerce, and all arbitration under this provision shall be conducted under the auspices of a single arbitrator selected in accordance with the procedures of the American Arbitration Association and shall be conducted pursuant to the rules of such organization and shall be governed by the Federal Arbitration Act. You agree and understand that you have a right or opportunity to litigate disputes through a court, but that you, individually, and us have chosen to resolve disputes through arbitration. SPRING HILL AND YOU VOLUNTARILY AND KNOWINGLY WAIVE ANY RIGHT THEY HAVE TO A JURY TRIAL IN CONNECTION WITH ANY AND ALL DISPUTES, CLAIMS, OR CONTROVERSIES COVERED BY THIS ARBITRATION PROVISION. You agree and understand that all disputes arising under case law, statutory law (federal, state, or local), and all other laws, including, but not limited to, all contract, tort, and property disputes, will be subject to binding arbitration in accord with this provision. If you would like to obtain a copy of the procedures and rules of the American Arbitration Association, 13455 Noel Road, Suite 1750, Dallas, TX 75240-6620 or through their website at www.adr.org.

 OHIO RESIDENTS: The Ohio laws against discrimination require that all creditors make credit equally available to all creditworthy customers, and that credit
reporting agencies maintain separate credit histories on each individual upon request. The Ohio Civil Rights Commission administers compliance with this law.

 MARRIED WISCONSIN RESIDENTS: No provision of any marital property agreement, unilateral statement, or court order applying to marital property will adversely affect a creditor’s interests unless prior to the time credit is granted, the creditor is furnished with a copy of the agreement, statement, or court order, or has actual knowledge of the provision.

BILLING RIGHTS: This notice contains important information about your rights and our responsibilities under the Fair Credit Billing Act.

 NOTIFY US IN CASE OF ERRORS OR QUESTIONS ABOUT YOUR BILL: If you think your bill is wrong or if you need more information about a transac- tion on your bill, write to us (on a separate sheet): SPRING HILL CREDIT—Spring Hill, 1112 7th Avenue, Monroe, WI 53566-1364. Write to us as soon as possible. We must hear from you no later than 60 days after we sent you the first bill on which the error or problem appeared. You can telephone us, but doing so will not preserve your rights.

 IN YOUR LETTER, GIVE US THE FOLLOWING INFORMATION: • Your name and account number. The dollar amount of the suspected error. Describe the error and explain, if you can, why you believe there is an error. If you need more information, describe the item you are not sure about.

 YOUR RIGHTS AND OUR RESPONSIBILITIES AFTER WE RECEIVE YOUR WRITTEN NOTICE: We must acknowledge your letter within 30 days unless we have corrected the error by then. Within 90 days, we must either correct the error or explain why we believe the bill was correct. After we receive your letter, we cannot try to collect any amount you question, or report you as delinquent. We can continue to bill you for the amount in question, including finance charges, and we can apply any unpaid amount against your credit limit. You do not have to pay any questioned amount while we are investigating, but you are still obligated to pay the parts of your bill that are not in question. If we find that we made a mistake on your bill, you will not have to pay for any finance charges related to any questioned amount. If we didn’t make a mistake, you may have to pay finance charges, and you will have to make up any missed payments on the questioned amount. In either case, we will send you a statement of the amount you owe and the date that it is due. If you fail to pay the amount that we think you owe, we may report you as delinquent. However, if our explanation does not satisfy you and you write to us within ten days telling us that you still refuse to pay, we must tell anyone we report you to that you have a question about your bill. And, we must tell you the name of anyone we reported you to. We must tell anyone we report you to that the matter has been settled between us when it finally is. If we don’t follow these rules, we can’t collect the first $50 of the questioned amount, even if your bill was correct.

 SPECIAL RULE FOR CREDIT CARD PURCHASES: If you have a problem with the quality of property or services that you purchased with a credit card, and you have tried in good faith to correct the problem with the merchant, you may have the right not to pay the remaining amount due on the property or services.


Have another question? Return to the Customer Service Help page or send an e-mail directly to Customer Service .