WITH SUGGESTIONS FORITS USE 
Pay cash in full whenever you can—it’s the most 
economical way to buy. But don’t do without needed 
conveniences or buy inferior quality just because you 
do not have enough cash available to buy what you 
need and in the quality you prefer. Then it is true 
economy to use your credit. 
The reasonable charge for credit at Wards is well 
justified when you consider the advantage of owning 
merchandise of high quality and having the full 
benefit of its use while paying for it. There are no 
hidden charges at Wards. Prices are the same as for 
cash with a reasonable carrying charge which is 
added to the unpaid balance only. You always know 
exactly how much extra you pay for credit at Wards. 
You will benefit most in using your credit, if you will 
follow the suggestions given below. They point out 
ways to lessen the extra charge for credit and may 
also reduce the amount you pay monthly. 
1. Do not obligate yourself for larger monthly pay- 
ments than you can comfortably afford. Control 
this as follows: 
2. Ifthe purchase requires larger monthly payments 
than you find convenient, make a larger down 
payment than the minimum required. This will re- 
duce the unpaid balance, cut the carrying charge 
and may reduce the amount to pay monthly. 
3. If you find it possible to pay off the unpaid bal- 
ance before the first payment is due, you will save 
the entire amount of the carrying charge. 
4. After your credit is established and you start to 
use the ‘‘Add-on” Plan (see below), itis wise to pay 
cash whenever you can for small purchases 
rather than add them to your account. Thus you 
save the entire carrying charge on such purchases 
and avoid increasing monthly payments. 
HOW TO OPEN AN ACCOUNT 
Write your order in the usual way on one of our regu- 
lar order blanks, being sure the order totals $20 or 
more, then fill in and sign the Application for credit 
on the back. Minors should have parent or guardian 
sign, too. Enclose check or money order for the down 
payment and mail to the Ward Mail Order House 
nearest you. There will be a short delay for credit 
investigation which is confidential. If you live near a 
Ward Store or Ward Catalog Office see the credit 
manager there. He will be glad to handle all the 
details for you. 
REQUIRED DOWN PAYMENT 
It is to your advantage to make as large a down pay- 
ment as you can comfortably spare. 
PAY DOWN 10% (one-tenth) on any item in the 1951 
Garden Book. ..... Sprayers, Trellis, Seeds, etc. 
AMOUNT TO PAY EACH MONTH 
Add up your purchases, including any tax or transpor- 
tation charge, to be paid by us, then subtract the 
amount of your Down Payment. The remainder is the 
46 WARDS at } 
Unpaid Balance to which a carrying charge is 
added. Table of Terms at right shows the amount 
to pay monthly on your account. 
WARDS “ADD-ON” PLAN 
After your credit is established, or if you already 
have an account with us now, you may make addi- 
tional purchases of $10 or more to be added to your 
account. No further credit application is required— 
just fill in and sign the ‘‘Add-on’’ form on the back of 
the order blank. 
Your monthly payment will not be increased: 
1. Unless the new balance requires a larger monthly 
payment as shown in the Table of Terms below. 
2. If new balance will pay out in six months or less 
at your present rate of payment. 
TABLE OF MONTHLY PAYMENT TERMS 
4 aa . 
If Unpaid ie A im A Monthly 
Balance is jor Com ying Payment 
es Charges 
20.00 to 22.00 2.00 
22.01 to 24.00 2.25 
24.01 to 26.00 2.50 
26.01 to 28.00 2.70 
28.01 to 30.00 2.90 
30.01 to 32.00 3.10 
32.01 to 34.00 3.30 5.00 
34.01 to 36.00 3.45 
36.01 to 38.00 3.70 
38.01 to 40.00 3.80 
40.01 to 45.00 4.25 
45.01 to 50.00 4.75 
50.01 to 55,00 5.00 
55.01 to 60.00 5.50 6.00 
60.01 to 65.00 6.00 6.00 
65.01 to 70.00 6.50 7.00 
70.01 to 75.00 7.00 7.00 
75.01 to 80.00 7.50 8.00 
80.01 to 85.00 , 8.00 8.00 
85.01 to 90.00 8.50 8.00 
90.01 to 95.00 9.00 9.00 
95.01 to 100.00 9.50 | 9.00 
100.01 to 110.00 10.00 10.00 
110.01 to 120.00 11.00 10.00 
120.01 to 130.00 12.00 10.00 
130.01 to 140.00 12.75 11.00 
140.01 to 150.00 13.50 11.00 
150.01 to 160.00 14.25 12.00 
160.01 to 170.00 14.50 13.00 
170.01 to 180.00 15.50 14.00 
180.01 to 190.00 16.50 14.00 
190.01 to 200.00 17.50 15.00 
200.01 to 210.00 18.00 16.00 
210.01 to 220.00 19.00 — 16.00 
220.01 to 230.00 20.00 17.00 
230.01 to 240.00 21.00 18.00 
240.01 to 250.00 22.00 iL O-00 
250.01 to 260.00 22.50 19.00 
260.01 to 270.00 23.50 20.00 
270.01 to 280.00 24.50 21.00 
280.01 to 290.00 25.50 22.00 
290.01 to 300.00 26.50 22.00 
’ For Terms On Larger Orders, Write Us 
