BUY NOW PAY LATER at Crate and Barrel

15% OFF on regular-priced furniture items + 0% interest up to 24 months The Promo is open to all active Principal and Supplementary Credit Cardholders of BDO (Mastercard, Visa, American Express, JCB, Diners Club and UnionPay). Excluded from the promo are BDO Corporate, Commercial, and Proprietary Cards. The Promo runs from July 1 to December 31, 2026 in the following Crate & Barrel stores: 3rd Level, SM Aura Premier Ground Level, SM Makati 3rd Level, The Podium Qualified BDO Credit Cardholders may avail of the following BUY NOW PAY LATER offers: 15% OFF on regular-priced furniture items from August 1 to 31, 2026* 0% interest up to 24 months term with a minimum spend requirement Pay 4 months later from September 9 to December 31, 2026 *Special brands are excluded ​ Crate & Barrel has the sole discretion to determine the minimum required purchase amount, term(s), item(s)/ and/or service(s) and channel(s) applicable for the Zero Percent (0%) interest offering. The promotional discount is not convertible to cash, or other item(s). The Promo cannot be used in conjunction with the store's other promotional offers, in-store sale or discounts, privileges and VIP cards, and shall be subject to the existing store's terms and conditions. The billing of the first (1st) installment from transaction date for BUY NOW PAY LATER (BNPL) transactions follows below schedule: Sample BUY NOW PAY LATER (BNPL) Payment Schedule: The first monthly installment of a transaction under the BUY NOW, PAY LATER Program will be billed to the Cardholder on the next cycle after the transaction date and payment thereof is due 25 days after the statement cut-off. Sample BUY NOW PAY NEXT YEAR (BNPNY) Payment Schedule: The BUY NOW, PAY NEXT YEAR Promo is effective September 9 – December 31, 2026. The monthly installment due on BNPNY transactions will be billed to the Cardholder starting on the fourth (4th) statement cut-off from transaction date and every month thereafter until the total amount payable is paid in full. All BDO BUY NOW PAY LATER transactions are subject to bank approval. The entire BUY NOW PAY LATER transaction amount shall be deducted from the Cardholder's available credit limit. BDO may, at its sole and absolute option, accommodate Cardholder’s request to accelerate the charging of the full amount of the remaining unbilled monthly amortization/s on the installment transactions, provided that the Cardholder's total outstanding balance due for the pertinent monthly billing cycle is paid in full. Further, a corresponding Installment Processing Fee of 5% of the total remaining balance or P500, whichever is higher, will be charged to the Cardholder’s account. After BDO has approved the Cardholder's acceleration, the total accelerated amount due and the corresponding Installment Processing Fee shall form part of the total outstanding amount due for the pertinent monthly billing cycle and must be paid in full. For promo-related complaints, BDO will handle complaints within 7 to 10 banking days from receipt of complaint, provided with complete information, proof of purchase and other supporting documents. All questions and issues arising from the Promo will only be accepted not later than March 1, 2027, after which all matters relating to the Promo are considered conclusive. For concerns on the partner merchant’s products and/or services, you may reach out to the merchant’s customer support. In case of dispute in respect of but not limited to BDO Credit Cardholder's eligibility, coverage of dates, fulfillment, BDO's decision shall prevail. All questions or disputes regarding the Cardholder's eligibility for the Promo shall be resolved by BDO in concurrence with DTI. This Promo is subject to the Terms and Conditions Governing the Issuance and Use of BDO Credit Cards. Per DTI Fair Trade, Permit No. FTEB-261029, Series of 2026. Merchant has the sole discretion on the term(s), item(s), service(s), and/or channel(s) applicable for the Zero Percent (0%) Interest