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† Subject to credit approval. Suggested payoff periods of 12 or 24 months are based on the transaction amount at the disclosed APR assuming all timely payments are made. Visit the Cardholder Agreement for details. Fortiva Retail Credit accounts are issued by The Bank of Missouri, Perryville, MO. Customers not qualified for a 0% APR offer may qualify for a deferred interest offer with Fortiva Retail Credit or a different offer with another creditor.