They've always auto upgraded me. But like auser said, a call wouldn't hurt!
When I worked at M&F, which Macy's bought, the tabletop account was for china, crystal, and silver. It was supposed to be paid off in a year, and IIRC, was 0% interest, as long as paid off in a year. But I would definitely check with them on this, for I bet things have changed!
They said it is 0% for 12 mos., but CS couldn't tell me if table top reported as revolving or installment account.
Anyway thanks.