My wife and I had purchased wedding bands at Jared. We were told if we put twenty percent down the balance would be interest free if it was paid of in twelve months. I received my first statement and realized I was being charged interest. This was eventually corrected. Later I made a large lump sum payment bringing my balance to less than $200. I still had 8 payments remaining, but my minimum payment was $70. This meant I had to pay the card off in seven not twelve months. When I called credit card service department they told me my payment had always been $70 and would continue to be until the card was paid off. This was a lie since my payments have been $50, $70, $90, and $140 on the last four statements. All I wanted was my payments to reflect the account being paid off in twelve months. They actually told me I shouldn't have paid a large amount at one time and one representative offered to send me money back. This shows how absurdly their credit department operates. It is really pathetic that Jared is willing to lose a customer that is paid ahead and violate their a agreement of a twelve month payoff period.