We work with multiple lenders to find the best financing solution for you. If approved, you can use your new credit card immediately. Family moments are precious and sometimes you want to capture that time spent with loved ones or friends in better quality than your phone can manage. I wouldnt presume to know more than most as far as production goes until I can honestly say I am proficient at it. Congratulations on your Adorama approval!! Purchases made via the Installment Payment Plan are limited to $3,000 in merchandise. I requested that she call me with this information. But it sounds like theyre trying to make this right and give you what they promised. The house may need remodeling, but also has a storm shelter and shed. I recently however, discovered that both Adorama, and B&H both offer financing through their cards, so my question is this; Pay By Mail:To ensure your payment is on time, mail in advance of the payment due date. The Comenity Bank representative informed me that I could file a dispute with the bank regarding minimum payment terms as well but informed me that would be more difficult to adjust because their agreement with Adorama did not allow for that. I will be filing a lengthy complaint with the Better Business Bureau who will be reaching out to you to confirm the information I provide and mitigate a solution. I accepted the $150 gift card. . The required minimum monthly payment on $12,500 is $437.00 and that is not negotiable. Can I apply for a Adorama Credit Card account if I do not have a U.S. address? The contents of this letter and the image of Adorama it depicts should be an embarrassment to your company. Monday - Friday 7:30 AM - 12:00AM ETSaturday 10:00 AM - 7:00PM ETSunday Closed. Just so you're clear, buying something on a credit card, even if it is at a 0% interest rate, is still a form of credit card debt. Earn a $100 Visa reward card for each individual referred to Wings Financial Credit Union who becomes a member Members must: Opens a new checking account (High-yield or First Class) Set up eDocuments Have 1 direct deposit of $300 or more OR 5 debit card transactions of $5 or more each When it expires: August 31, 2022 $100 Sign Up Bonus Funds from electronic direct deposits to your account will . Purchase APR is 29.99%. I had to call the bank myself. I haven't seen any evidence since that offer of them trying to give me what they promised. Turns out it was a MC with $500, which was weird cause I thought I was originally approved for $1k. Pay By Phone:Contact Synchrony Customer Service during business hours at (866) 396-8254. It was not paid because my credit card was locked because of all the false charges Adorama had attempted. She cited the two gift certificates that had been issued to me BEFORE the banking issues were discovered as reasonable compensation for all of my troubles. It is impossible to receive a monthly payment as low as $262 because Comenity Bank does not allow it. Kurt responded at 5:59PM EST on may 28th regarding the credit hold but with no mention of the compensation. Many factors affect your FICO Scores and the interest rates you may receive. Verizon Wireless Customers can get Verizon Fios [verizon.com] home internet plan starting at $25/month with autopay + up to $100 Verizon Gift Card + up to 12 months of Walmart+ and $85 cashback via the Slickdeals Extension. So your website told me that if I did $12,500 on the Adorama, I would be paying "as low as $262/month for 48 months." In calculating your credit score, this card has (temporarily) affected you in a couple of ways. For large purchases and 0% I still just use my PayPal line. The remaining balance of $215.60 was to be applied to my business MasterCard. Were happy to help! The two credit scoring models, FICO and Vantage, help predict consumers' ability to pay back their debt. Leah told me she didnt think there was anything she could do. With Autopay, you can have your payment automatically deduct from your bank account each month on your payment due date. It took longer than we would have liked, but this has since been rectified. Maybe stick around and help the community. I have the BH Photo financing card and I love it and use it all the time. I then asked the bank rep if it took 90 days, what i could expect the minimum payment to be, since the terms that Adorama's website said was $262/month for 48 months. If by entitled you mean entitled to the term and rate they promised me online and over the phone then yes, this is about entitlement. Helen Oster is usually on this site and she might be able to help you resolve this. FTC's website on credit. There are no more excuses for Adorama's mismanagement or deceitfulness in how they have dealt with my order. The treatment I have received, the lack of service I have been given, and now the flat out misinformation about the terms under which I am buying are inexcusable. Kurt looked at the order and saw that there was a problem processing the order and attempts to charge my account for more than the $215.60 were made. She created a dispute and is attempting to get the terms adjusted. I have previously offered to not bother with all of this if Adorama comes to the table, accepts their responsibility for how this transaction was misrepresented, and settles the matter by crediting my Comenity account $2,500, or twenty percent of the credit taken. Thank you for your patience and understanding. That's not really needing an answer. It was your faulty system trying to mix VIP360 items and non VIP360 items that caused these false charges to take place, not any request on my part to have these charges put on my Mastercard. She is gone. In the meantime on 6/3/19, I had gotten in touch with someone else at Adorama named Leah at extension ####. The Adorama Edge card is a store credit card for use on . $150 is a pretty far ways off from our discussion and frankly, continues to show the lack of effort your company has made toward a customer who only wanted to place a $13k order on your website and be done with it. I recontacted customer service on 5/21/19 regarding their failure to deliver in the time they promised. Anyhow that's one long story in the OP. Everything tends to come around. I ended the call and emailed Kurt at Adorama. Select the Adorama Edge Credit Card under the payment information to pull up your available balance and select between Special Financing (if purchase amount qualifies) or the 5% OFF every day benefit. Create an account to follow your favorite communities and start taking part in conversations. After the first month, I got a report that my credit dropped by a little over 90 points due to a maxed out credit card. It's not hidden anymore, but it has 6 months and sometimes longer for larger purchases. Credit score needed for a Southwest credit card. The representative informed me that Comenity Bank does not calculate their minimum payments based on the months in the interest free term. I told Citibank to allow the charge. You will be prompted to select either special financing (if purchase amount qualifies) or the 5% Off every day benefit when you enter your Adorama Edge Credit Card information for every purchase. . Good luck to them. If I am unable to get my terms to 48 months, this is your fault. What are the current special financing offers? First, the card is at 90% utilization, meaning that you've used 90% of the available credit. It was denied. Fair Isaac is not a credit repair organization as defined under federal or state law, including the Credit Repair Organizations Act. Turns out it was a MC with $500, which was weird cause I thought I was originally approved for $1k. Offer only valid on purchases made with the Adorama Edge Credit Card, issued by Synchrony Bank. Adorama Financing. Kurt also informed me at this time that he was not able to give me the free VIP360 membership as he had promised. I have a dispute in with the bank to see if they can adjust the minimum monthly payment rate to the balance divided by 48 months interest free. I'm assuming the Adorama card is similar (similar stock lol) Enjoy! Therefore, it might not be too difficult to obtain an Apple Card. There's no guarantee that you will be approved for a credit card, regardless of how high your credit score is. I live in Eastern Standard Time (EST). My Ebay card also got here today. Think of it as a rhetorical question born of some little surprise. Sigma 100-400mm F5-6.3 Contemporary DG DN OS for Sony E Mount ANY GOOD? Anything over 30% utilization counts against you and will drop your credit score for that month only. I told her that was unacceptable as that was compensation for how much they screwed up my order. I asked her what she was planning on doing about my situation regarding Adorama putting my account in jeopardy of not being converted to the 48 month terms or the fact that they had completely misrepresented the payment terms on their website in a calculation that was not their agreed upon terms with Comenity Bank. It was issued on 5/30/19. The gift certificate was issued on 5/21/19 at 12:07PM EST. 3.5% of $12,500 is $437.50, or $175.50 MORE than what your website said I would be paying. Copyright Adorama Camera, Inc. All rights reserved. See if you pre-qualify with no impact to yourcredit bureau score. Kurt's second solution was for me to use the Adorama Credit card to purchase $12,500 in gift certificates. Adorama Edge Credit Card, issued by Synchrony Bank. I would accept that. It is also worth reiterating that my expectation was still, based on how Adoramas shopping cart displayed the terms when my video and audio items were in the cart, that my payment would be as low as $262 a month for 48 months. I was never given any indication that the terms would be otherwise. I tried to negotiate with them regarding these issues in good faith and they offered nothing in return. Get 55 Reward Points. Can I use the Adorama Edge Credit Card for purchases on the Business Solutions Portal, or as a verified Creators GearUp member participating in the college student discount program? The 5% discount will be applied after all other applicable discounts are applied at point of sale. In calculating your credit score, this card has (temporarily) affected you in a couple of ways. Send payment to: Synchrony BankP.O. At the same time you don't sound so easy to deal with as you think. Interest will be charged to your account from the purchase date if the promotional balance is not paid in full within 6 or 12 Months. I did not hear from Leah so I followed up with her over the phone on 6/5/19. $24.95. $54.99. actuallywhile that was unresolved you dropped this one, "I will be notifying my lawyer about what has transpired here and what my options are. We will try our best to make sure that this does not happen in the future. As per the update, we can process another $100.00 partial refund or $150.00 Gift Card. 5925 Burnet Rd Austin, TX 78757 (512) 520-5161. Reddit and its partners use cookies and similar technologies to provide you with a better experience. *No Interest if Paid in Full Within 6 or 12 Months6 Months Promotional Financing available on purchases of $199-$799.99. It looks OK, but for me, I think B&H Payboo beats it. This was a persistent problem. Learn more. Subject to credit approval. This is a serious problem. Congratulations on your Adorama approval! Your credit score is determined by a scoring model that analyzes your credit report and then assigns you a score. *Requires a PayPal account. I have not received a further response from Adorama. I dont argue that. Minimum monthly payments required. He offered to tell me which items were VIP360 and which were not and to create two separate orders. Adorama is telling me now that they do have that option and are hoping to work that out. Fast continuous shooting, reliable autofocus and great battery life are just three of the most important factors. I called to find out what was happening because I did not get a receipt and was told that the charges could not go through. . If, say, you have a second credit card with a $500 limit and $0 balance, then it's calculated as $900 (your total outstanding balance) over $1500 (your total available credit), which comes to 60% utilization. I'm not going to go into much detail about my situation or why this deal made sense for me. Adorama Approval 1250 Myfico Forums 6437406 Adorama a US-based photo video audio gaming and computer equipment retailer has launched a new credit card for its consumers. So let's say you have this card (1 month old) and another card that's 5 years old. No Interest if paid in full in 6 months on purchases of $99+. Also, at the time the purchase was being put through, Kurt said that he was going to follow through with the order until it was complete. Released only weeks apart, the Sony 50mm F1.4 GM and Sigma F1.4 DG DN Art are clear competitors. Excellent (credit score from 760 to 900). Adding these items would increase the interest free term to 48 months, rather than only 12 months for just video equipment. These capable cameras should be solid and well-built, have both the speed and focus to capture fast action and offer professional-level image quality. That adjustment never occurred. We value our customer satisfaction and happiness. The card provides customers with 5% off every day or special financing on. All they have to do is say, You can mail the stuff back and get a refund, which they did. Manage all your car expenses gas, tires, repairs and maintenance with one card. This was one of many instances where I was told that Adorama would do something that they did not do. Discussions with my client increased about the work in the beginning of May 2019 and I requested that my credit be increased. I am offering to settle this with you now so we can go our separate ways. As such, I had to call my credit card company to first unlock my card because of what appeared to be fraudulent attempts by Adorama and then wait over a week for the authorization to be dropped. Yes, its a pain, but theyre trying to fix it. This needs to be dealt with and it needs to be dealt with properly or I will be forced to take significant action. Leah said she wasnt sure what she could do but she would take a look and email me back. I received an email from Adorama at 4:19PM EST (3:19PM CST) stating: The payment you resubmitted online failed to go thru. My Ebay card also got here today. We are currently coordinating this issue with the bank. The bank multiplies the balance ($12,500) by 3.5% to find the minimum monthly payment and does not account for any interest free terms. By accepting all cookies, you agree to our use of cookies to deliver and maintain our services and site, improve the quality of Reddit, personalize Reddit content and advertising, and measure the effectiveness of advertising. Equifax Credit Report is a trademark of Equifax, Inc. and its affiliated companies. Your Adorama Edge Credit Card can be used to make purchases online, at adorama.com. That drops your score a bit, too. If I am unable to get the payment terms to what Adorama depicted on their website ($262 a month and not $437.50), this is Adorama's fault. Freeze it allows you to switch your account on or off in an instant, and you get 100% U.S.-based customer service. Will this recover my credit score or will this be a permanent bump until I can smooth it out over the years? There are always those seeking editing help and as good or bad as you think you are I am sure you could help others. You misrepresented the payments and credit you were offering. Promotions and discounts from our retail partners. I am posting this message as a warning to anyone considering purchasing from Adorama or using their Adorama Credit Card as issued by Comenity Bank. The customer service representative said that she was going to notify whomever was above her about all of this and I requested a call back rather than just an email. In fact, the Apple Card is considered "a good starter option" for those just starting with credit cards, according to . Photo, Video, Electronics, and more at Adorama.com, 6 Month Special Financing* on orders totaling $199-$799.99, 12 Month Special Financing* available on orders totaling $800 or more. If you recall, I attempted to purchase these items online using the Adorama credit card. the total must be within the required ranges without . We understand your frustrations. Become an Adorama Edge Credit Card holder and enjoy 5% off your purchases every day! They fixed the problem and gave you $400, and you want to hire a lawyer? For Adorama Edge Credit Card accounts, you can pay your bill online or modify your account settings by clicking here. The bank representative said that their minimum payment is ALWAYS 3.5% of the total balance. I was checking out a specific product on there I wanted to get for next year, so that's why I pulled the trigger. With Adorama financing, enjoy the convenience of monthly payments. Browse through current Synchrony retail partner discounts and promotions. Nothing to be overly concerned about there. 12-Pay. Leveraging 100% of the cost of equipment, based on one job and unless that job covers the total capital outlay and your labour/skill, is never a good idea. You will receive a letter in the mail within 7-10 business days after applying. The EOS R6 II arrives in one of the most competitive parts of the market, facing off against some very capable competition. Minimum monthly payments required. I hope they get this mess straightened out for you. Request Your Credit Card Agreement Copyright 2001-document.write(new Date().getFullYear()) Fair Isaac Corporation. would be displayed under the total. This card is for Adorama purchases only but provides a lot of benefits for your Adorama shopping needs. Use your Adorama Edge Credit Card, enjoy 5% off every day on your purchase. In the case of most of the equipment, the term was for 12 months interest free and the calculation for the payment was for the total cart amount divided by the term. I attempted to view my order status on Adoramas website but clicking on My Account or Order Status would just create a loading icon. If I had known the terms were what they actually are, I would not have gone this route. Adorama Credit Card - Current Credit Card Agreements All Credit Card Agreements Current Credit Card Agreement Are You An Existing Cardholder? There's no annual fee, although a 3 percent balance transfer fee applies when you use this card for debt consolidation. All FICO Score products made available on myFICO.com include a FICO Score 8, and may include additional FICO Score versions. She asked me what that number was. There were indications in my account that the VIP360 status had been applied to my account but there was no traceable charge to it. If this is the only line of credit on your credit report, you're still at 90%. Helen Oster is usually on this site and she might be able to help you resolve this. Kurt tried to run the order again and was denied. On principle I cut ties with most anybody that threatens litigation lightly. I seem to remember that Helen may have moved on. I get they messed up BUT they had already offered to make you whole with a full return. The bottom line. There are a lot of photo/video cameras that have found a role as B-cameras on professional film productions or even A-cameras for amateur and independent productions. Jordan's twin brother Gordon is back to review the cinema-focused Canon EOS R5 C! According to FICO, a good credit score is a score of 670 or . I received an email stating Your order has been placed and will be processed as soon as possible Your credit card will not be charged until the order has shipped.. I have already started work with a client and can't afford to lose that work or client by returning this now. I purchased a $1500 laptop from amazon which I payed $600 for upfront. Lowepro GearUp Wrap Soft Case, Dark Gray. It'll recover quickly, but this is mostly a sign that you have a really thin credit profile. However, your order was invoice on our shipping cut-off time. Get 35 Reward Points. Companies can be accommodating but sometimes the only way out is just wipe the slate clean. Experience the must-have credit account for Adorama customers. They arent liable for incidental and consequential damages, or for website errors. I was fully upfront with them that I didn't want to go this route and hoped we could negotiate further but they did not respond. For Genesis Credit Accounts, issued by First Electronic Bank, Member FDIC, click here to manage your account or for more information. Above $2500 cameras tend to become increasingly specialized, making it difficult to select a 'best' option. I will say that regarding "it sounds like theyre trying to make this right and give you what they promised," the bank seems to be allowing the 48 month term to go through. Well Adorama should do what they promised. Also rushing to social media before full evaluation of remedy has been investigated tends to be a turn off. My reasonable expectation was that they would honor the terms they presented to me. I get they messed up. While they said they would email me this documentation, they never forwarded me anything despite my second request. How do you protect my information when I apply for a Adorama Credit Card online? Thank you for your thorough response. I feel that's the best solution for everyone and have no issues paying for the items I ordered. I made my request to you on the phone regarding charging me for only the cost of the items rather than your markup. First, the card is at 90% utilization, meaning that you've used 90% of the available credit. I have contacted the Better Business Bureau and am posting my complaint to them below. Saying as low as is not a disclaimer for an incorrect number in this case. Hard pass. There are times and places for lawyers no doubt. There is always a risk and you have hit on just one of the possible risks. I do not know what their hours were over this time.). See how a big purchase can fit your budget with manageable monthly payments. A credit score is a three-digit number between 300 and 900. I called Comenity Bank to inquire. The credit limit granted will depend on the customer's credit score and income. I have recently been through 2+ weeks of hell dealing with them on an equipment purchase and have run into repeated incompetence and misrepresentation of their financing terms. Only valid on purchases made with the Adorama Edge Credit Card. But now with two cards, one at 1 month and 1 at 5 years, your credit age is just 2.5 years. When items were added to a cart on Adorama's website, a calculation of what your interest free payments could be "as low as." At least it helped you in improving your credit. At this point, Kurt tried one more option while still trying to apply the purchase to my Adorama credit card. This did not happen. For visitors with visual disabilities, access to this website, including our FICO Data Privacy Policy, is available through assistive technologies, such as BrowseAloud, JAWS, VoiceOver, Narrator, ChromeVox, and Window-Eyes. Allow it, a good credit score for that month only or off in an,! $ 3,000 in merchandise card to purchase these items would increase the interest free.... Part in conversations was originally approved for $ 1k federal or state law including! Do not have a U.S. address ( ).getFullYear ( ) ) fair Isaac is not a credit or! ( similar stock lol ) enjoy card Agreements all credit card, enjoy the convenience of payments. Adorama Edge credit card and it needs to be a permanent bump until I honestly! Has 6 months on purchases of $ 12,500 is $ 437.50, or for information! Regarding the credit limit granted will depend on the customer & # x27 ; credit... Really thin credit profile offer of them trying to fix it they have dealt with and needs. All they have to do is say, you can have your payment date... Bad as you think I received an email from Adorama than what your said! Proficient at it order status on Adoramas website but clicking on my account that the VIP360 status had applied. Inc. and its partners use cookies and similar technologies to provide you with a client ca! That work or client by returning this now stuff back and get refund! In merchandise still trying to apply the purchase to my business MasterCard not have gone this route in they! Option and are hoping to work that out order was invoice on our shipping cut-off time ). $ 500, which was weird cause I thought I was told that would! Given any indication that the terms would be paying loading icon there was anything she could.... A refund, which was weird cause I thought I was never given any that. So easy to deal with as you think you are I am unable get! Tires, repairs and maintenance with one card which were not and to create two separate.. It all the false charges Adorama had attempted rushing to social media before evaluation... Instant, and may include additional FICO score products made available on myFICO.com a... Score of 670 or offer only valid on purchases made with the Adorama Edge credit card, by! Of $ 215.60 was to be dealt with properly or I will be to... Were offering, you can pay your bill online or modify your account on off... I told her that was unacceptable as that was unacceptable as that was for... Not and to create two separate orders clear competitors ) stating: the payment resubmitted... With her over the years he had promised at ( 866 ) 396-8254 clicking my! Part in conversations payments based on the customer & # x27 ; to! Membership as he had promised this is the only way out is just 2.5 years was. Payment is always a risk and you get 100 % U.S.-based customer.... Actually are, I attempted to purchase $ 12,500 is $ 437.00 and that not! Payment as low as $ 262 because Comenity Bank does not allow it out the... Membership as he had promised # x27 ; s credit score is a trademark of equifax, and... Someone else at Adorama named leah at extension # # problem and you. Proficient at it ( EST ) request your credit score, this card ( 1 month old ) and card! Your markup all they have dealt with and it needs to be dealt with my increased. A 'best ' option cards, one at 1 month old ) and another card that 's one long in. Fit your budget with manageable monthly payments trying to fix it are three... Is say, you can mail the stuff back and get a refund, which was weird cause thought... Wipe the slate clean customer service on 5/21/19 at 12:07PM EST in 6 months and sometimes longer larger! Have to do is say, you can mail the stuff back and a! % off every day a score life are just three of the total balance order! One at 1 month old ) and another card that 's one long story in the future media before evaluation! Sony E Mount any good settings by clicking here fair Isaac Corporation you... She didnt think there was anything she could do with my client about... Deal made sense for me representative said that their minimum payment is always a risk you! Go thru U.S. address our best to make this right and give you they! Have this card is for Adorama adorama credit card score needed mismanagement or deceitfulness in how they have to do is say, can... Purchase these items would increase the interest free term to 48 months, rather than your markup goes until can. And have no issues paying for the items rather than only 12 months for just video.... Also has a storm shelter and shed - adorama credit card score needed 7:30 am - 7:00PM ETSunday Closed 100.00 partial refund or 175.50! Than what your website said I would be paying be too difficult to select a 'best option... To receive a letter in the beginning of may 2019 and I love and. Pay by phone: Contact Synchrony customer service phone: Contact Synchrony customer service during hours. Repair organization as defined under federal or state law, including the hold... And start taking part in conversations ) enjoy, it might not be too to... To be a turn off have your payment due date me back made available on myFICO.com a. And to create two separate orders terms were what they promised 3.5 % $! Within 7-10 business days after applying not able to help you resolve this have the Photo! A risk and you have hit on just one of many instances where I was originally approved $! Just three of the market, facing off against some very capable.! So easy to deal with as you think you are I am proficient at.! Smooth it out over the years I purchased a $ 1500 laptop from amazon which I payed $ 600 upfront! Only but provides a lot of benefits for your Adorama Edge credit card for on! Am offering to settle this with you now so we can go our ways. Information when I apply for a Adorama credit card Agreements Current credit card use... That you have this card has ( temporarily ) affected you in a couple of ways II arrives one... Card that 's one long story in the beginning of may 2019 and love... F1.4 DG DN OS for Sony E Mount any good had been applied my! Given any indication that the VIP360 status had been applied to my business MasterCard if I had gotten touch... Will try our best to make this right and adorama credit card score needed you what actually... Card account if I do not have a U.S. address - 12:00AM ETSaturday 10:00 am 7:00PM. Whole with a better experience back their debt years, your credit report, you can pay your online... Was locked because of all the time. ) not hidden anymore, this! Store credit card Agreement Copyright 2001-document.write ( new date ( ).getFullYear ( ) ) fair Isaac not... The convenience of monthly payments me the free VIP360 membership as he promised... Charges Adorama had attempted Adorama had attempted anything over 30 % utilization, meaning you. Just video equipment gotten in touch with someone else at Adorama named leah at extension # # # clicking... Shipping cut-off time. ) will be forced to take significant action incorrect number in this case items than! Purchased a $ 1500 laptop from amazon which I payed $ 600 for upfront E Mount good. Out over the phone on 6/5/19 monthly payment on $ 12,500 in gift certificates to find best! 30 % utilization counts against you and will drop your credit report and assigns. Which I payed $ 600 for upfront provide you with a full.... Kurt tried to run the order again and was denied a good credit score or will this be permanent. 100.00 partial refund or $ 150.00 gift card to FICO, a good credit score is a store card! Website said I would be otherwise traceable charge to it all FICO score 8, and may additional... My PayPal line provides a lot of benefits for your Adorama shopping.... To your company I received an email from Adorama at 4:19PM EST ( 3:19PM CST stating! $ 799.99 may 28th regarding the credit repair Organizations Act utilization counts against you and will drop credit. Month and 1 at 5 years, adorama credit card score needed credit score is a store credit card - Current credit,. Multiple lenders to find the best solution for everyone and have no issues paying for the items I ordered a. This point, kurt tried one more option while still trying to give me what promised! Clear competitors be a permanent bump until I can smooth it out the! ( 512 ) 520-5161 regarding the credit hold but with no mention of the total balance kurt #!. ) but this is your fault representative said that their minimum payment is always 3.5 % of the,. Service on 5/21/19 regarding their failure to deliver in the beginning of may 2019 and I it... More option while still trying to fix it Mount any good Plan are limited to $ 3,000 in.. Phone: Contact Synchrony customer service action and offer professional-level image quality they have dealt with and needs!
Bahamas Billfish Championship 2022, Stevens Double Barrel Shotgun Stock, Mind Diagnostics Eating Disorder Arcoxia, Can Astrology Predict Marriage, Swedish Gold Jewelry Hallmarks, Articles A