Fill out application form
Apply for credit and wait for e-sign the credit agreement
Ready to purchase
Add a piece of jewelry (at least $100). Add a Membership.
Check out and you will be charged the membership fee + only 25% of the item purchased (plus tax and shipping)
In a few days, you will receive a confirmation and the expected shipping date of the item purchased. In 45 days or so the account will start reporting to the credit bureaus. And thus begin helping you build/rebuild your credit. Your minimum monthly payment is $30 or 5% of what you purchase.