Diamonds - Cash, Cheque, Credit, Cards

Diamonds Index

Cash, Cheque, Credit, Cards

Credit Cards
How you choose to pay for your diamond ring may affect the price you pay. Credit cards cost the retailer between 2% and 10% of the purchase price. Most retailers conceal the credit card charge by making every customer pay extra. At Chard, we currently do not accept credit cards. Although this reduces convenience slightly, it helps us to maintain our cash-and-carry pricing.
If you choose not to purchase from us, ask the store if they accept American Express or Diners Club cards. If they do, then ask what cash discount you would receive instead! (We know of retailers who allow 24% discount to insurance companies.)

Interest Free Credit or Instore Credit
Store credit schemes where interest is charged, usually will cost you much more than using your credit card, so are best avoided. Even where stores offer interest free credit, this costs the store money, which it could pass onto its customers as a discount or price reduction.

Debit Cards
Debit cards cost very little for stores to accept, especially for larger transactions, so they are often as good as paying cash, and safer than carting wads of cash around with you.

Cheques
Cheques also cost very little, but don't expect most jewellers to accept your cheques for large amounts, unless they know you well. If you expect to wait until your cheque is cleared, you should not be disappointed.

Chard
Because we at Chard regularly deal by mail order, the easiest way to pay is by cheque. In most cases, we will clear the cheque while we are processing your order, adjusting the finger size of your ring, etc.
If you wish to order something which needs to be custom made for you, we will ask for a deposit before commencing, usually between 10% and 50% depending on the amount of design work and customisation. We will then expect the balance to be paid on or before collection or posting. Again this helps us to keep our costs and charges as reasonable as possible.

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