Every time you make a purchase, you can charge up to 60% of the total purchase price, up to your available credit.  The remaining balance of each order must be paid at time of purchase by major credit card.  Approval is subject to verification and consideration by Shop and Charge.  There is no interest charged on balances.  Existing accounts will be reviewed for credit increases at the sole discretion of Shop and Charge.  Any orders exceeding a customers available credit may be paid for either a major credit card, check or money order.  Payments on your account are to be paid monthly and are calculated at 10% of your total outstanding balance with a minimum payment of $15.00, whichever is greater, until your balance is 0.  You may continue to charge up to your credit limit as you make payments on your account.  Payments are due on the 5th of each calendar month.  Any payments not paid by the 15th of the calendar month are subject to a $10.00 late fee.