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Subscriber OnlyBusinessPursuitsIs Signet a Sparkly Empire or a Finance Company?Signet, parent of Kay and Jared, boosts reliance on financingMethod for counting past-due accounts questioned by criticsPhotographer: Daniel Acker/BloombergByGreg Farrell+FollowFebruary 12, 2016, 3:12 PM UTCNo one would ever mistake Zales for Tiffany. Zales started out in the Texas oil patch, in the 1920s, with one jewelry store and a tempting pitch: go ahead, America, buy your bijoux on credit. “A penny down and a dollar a week” -- that was the line.