Our three month lay-by makes it easy to choose and pay for your items. Simply choose everything you need and head for the checkout, just as you would with a normal order.
Check that your shipping and billing addresses are correct, then choose " Open Lay-By Account" as your method of payment and confirm your order. Then email Cards from the Heart at firstname.lastname@example.org to confirm that you would like your order to be set up as a lay-by. There is a $50 minimum for lay-by orders (not including shipping).
You will receive an email containing the terms and conditions of your lay-by as described here, and instructions for making payments via PayPal, Direct Debit or Australia Post Money Order.
There is a 20% minimum deposit on Lay-Bys. Your lay-by will become active once the first payment is made.
You will receive a written statement of the lay-by terms, including the purchase price, deposit and balance, future installment dates along with fortnightly emails during the lay-by to remind you to make payments.
Your lay-by will be shipped to you when the final payment is completed.
There is no administrative fee for lay-by at Cards from the Heart. However, you will need to make a payment at least once a month or your lay-by may be cancelled. If your lay-by is cancelled, an administrative fee of 10% of the total order will be deducted, and any remaining payments will be returned to you via PayPal or direct deposit to your bank account
Lay-By Terms and Conditions
-A minimum transaction of $50, not including postage
-A minimum deposit of 20% of the total of the lay-by
-Regular monthly payments MUST be made
-your lay-by is to be finalized 3 months after purchase
- if you cancel this lay-by all monies paid except 10% of the purchase as cancelation fee will be refunded. If you do not make payments when they are due or if the lay-by is not finalized within 3 months , we will cancel the lay-by and retain 10% of the purchase to cover the admin fees.
-individual items may not be separated form a lay-by parcel until final payment is received
-emails will be send fortnightly to remind of future payments