Indulge in your dazzling desires, unwrap the sweetness and you shall find the grandest golden ticket of all jewelry stores, the Wells Fargo Jewelry Advantage Miami Lake’s Jeweler’s store credit card.

Whether it is a bracelet dazzling in golden or silver moments from Pandora that your heart fancies, or the most perfectly cut brilliant square diamond, Dream, from Hearts on Fire, this golden ticket paves the way to your heart’s fondest yearnings.

Skeptics of high interest rates and weary of ruining their credit, should not fret, the card offers NO-INTEREST on purchases of $300 or more for 1 year, and NO-INTEREST for 2 years on purchases of $2,000 or more.

Perks of the Credit Card, and Doubts Addressed

Pros:

1. Establishing credit is an important faucet in this capitalist economy. Financial institutions establish the worthiness of a prospect based on their credit score. Credit scores are established through the completion of monthly payments, and ruined through defaulting on these payments. A good credit score is pivotal for acquiring loans and conducting other financial transactions. Thus, maintaining the store card paves the way to new financial opportunities.
2. A trying economy, means less funds available for luxuries. While it is critical to be smart with your money these days, everyone deserves a treat every now and then.
3. Christmas is around the corner and in this economy, money is tight. Wishing to grant our loved ones desires, this card offers the access to the latest craze in jewelery: Pandora and Michael Kors.
4. In the case of Pandora, there are so many beads to chose from that it may be difficult to choose just one. With the card, you can build your bracelet and pay for it as the money comes in monthly.
5. “What are the monthly installments?” Monthly installments are calculated based on the amount spent. Once a purchase is made, divide the total amount in accordance to the no-interest time period.
6. “What happens once the card’s balance is zero?” Zero balances aggregate your credit score. Your card will not be canceled, unless you chose to. Based on FICO’s policies, credit cards with a zero balance emphasize responsible credit behavior, though it is preferred to have even a small balance since it displays activity. While such cards can be closed, it is advised not to close cards with a longstanding good history, as such will hinder your credit. Pay off the cards with the highest interest rates first, and those, such as this one, with no interest for a promotional period.
7. BETTER THAN LAY AWAY. Like layaway, monetary installments must be made until the balance is paid off.  While interest does not incur through layaway, if a purchase is $300 or more, interest will not incur either as long as its balance is paid within the appropriate time period. However unlike layaway, with a credit card you receive your indulgence IMMEDIATELY.
8. Only takes a few minutes. Approval is done in person. Enjoy the new store and its friendly service, while you wait. Get new ideas for your next purchase.

Cons become Positives

1. “Having access to so much money, means I’ll spend more.” However, the reality is that whether the physical money is AVAILABLE NOW, or later in credit, it is there. Unwise customers will overspend regardless of the form of money. Having a credit card, as with cash, teaches YOU to BUDGET! Treat the card as if it is your own cash and spend accordingly. DO NOT SPEND MORE THAN YOU WILL EVER HAVE!!!
2. “I already have TOO MANY CREDIT CARDS, and one more will RUIN my credit score.” According to MSN Money this is just a myth. A responsible consumer can manage multiple credit cards. In the eyes of financial institutions, multiple credit cards is an asset. Credit score is established through a history of actively maintaining credit card payments. To a lender, a good candidate is one with an established history of old and new cards, who actively uses these cards, thus personifying responsible behavior, which is reported to credit bureaus. LENDERS DO NOT BELIEVE YOU ARE PRONE TO DEBT BASED ON THE AMOUNT OF CREDIT CARDS OWNED.
3. “This credit card can ONLY be used at one store”. However, the card’s EXCLUSIVITY is actually a POSITIVE. Since the card may be used in store or online, it exposes the card holder to less chances of spending the credit limit and making purchases they cannot afford.
4. “High interest rates!” However because EACH expenditures of $300 or more does not incur interest for a year, nor do expenditures of $2,500 or more for 2 years,  interest rates will not become an issue as long as the bill is paid in full by the appropriate time period. Amounts less than $300 do not incur interest during periods less than a year, depending on the amount spent.
5. “What if I can’t make the payments during the allotted time period, or something came up?” While interest rates do apply after the fact, it is wise to PAY YOUR BILL AS SOON AS YOU CAN. Just paying the minimum balance will never liquidate the debt once interest rates take into effect.
   
6. “I do not want to incur anymore debt.” Opening another credit card does not induce debt, not making your monthly payments and spending more than you have, does.  Rather if approved, the new card offers the chance to increase your credit score, while paying off other debts.
7. “I have a bad credit score, or I am just beginning to establish my credit.” Wanting to make shopping easier, Wells Fargo tends to be flexible with the types of candidates that it approves. While NOT everyone can be approved, it doesn’t hurt to try. Credit is established through credit. Unlike major banks, this credit card is not as stringent, thus it offers you the opportunity to build GOOD credit.
8. “What about payments less than $300?” Depending on the amount spent, lower interest rates do apply for such expidentures. However, to fully take advantage of the perks of the credit card, it is best to be sued on purchases over $300, which is plausible on most merchandise, especially when starting a new Pandora bracelet.

Friendly Reminders

1. Be mindful of your credit limit. Debt is incurred if the credit limit is maxed out and cannot be paid. Credit scores are lowered if more than 50% of the actual credit limit is spent at any given billing period, according to Bank of America.   Thus, spend accordingly. Increase your credit score by making payments, but do not over spend more than 20% of your income.
2. Pay off your balance. Either pay off your balance immediately or soon. According to FICO, credit scores improved as balances are paid off. Cards, which repetitively have a balance that are paid off when the bill arrives, help your credit score.

Thus, whether you have a knack for something that dazzles from Pandora or glitters from Hearts on Fire, but can’t afford it right away, open up a Wells Fargo Jewelry Advantage card at Miami Lakes Jewelers.

It’s no-interest for 1 year on EACH purchases of $300 or more and no-interest on purchases of $2,500 or more for 2 years, makes owning the GOLDEN TICKET desirable. Lower interest rates do apply on purchases less than $300.

Miami Lakes Jewelers makes it easier to be FABULOUS and dazzle.

Improve your credit score and glitter with this GOLDEN TICKET; the ultimate paradigm of diamond dreams, comparable to that of Willie Wonka’s chocolate lovers.

-Kathleen Rodriguez