Got A Ps3 On Credit!

LUCKY8

Just Got My Ps3 Today , Just Couldn`t Bear The Thought Of Forking Out That Kind Of Money So I Went Into Argos In The Ilac Centre And Got One On Finance, It Only Took Like 15 Minutes To Set Up And They Just Asked Me For Id And A Bill And Took A Few Details, I Was Handed The Machine Ther And Then , Omg Its Just The Most Amazing Piece Of Technology I Have Ever Used, Cant Believe I Have One At Last And Its Just Costing Me Like €20 A Month, Happy Days!

dr.bollocko

Hehe. yeah. give us a shout in 3 or 4 years time when u r still paying it off and u have already shelled out a grand for it.

Ruu_Old

How much are you paying in total for it on credit?

LUCKY8

I Dont Think So! , I Will Have It Payed Off In 6 Months With No Interest , Just Gives Me A Bit More Time To Save Up Some Money, And Allows Me To Start Some Serious Ps3 Gaming Right Now Without Having To Shell Out Such A Big Sum.

Irishpimpdude

Id say around 1200???? depends what he got with it.. wonder what there APR is lol

Edit: 6 months at 20 euro jaysus is the ps3 only 120 euro? ill have to go in tomorrow

corblimey

All Argos stores offer 6 months interest free credit on stuff > 275 spods. You pay a paltry sum every month for 6 months and then something like 90% of the total as a balance in month 6. Failing to settle the account then brings in fixed apr of 25% or something like that. It's quite good, to be honest, particularly if you want that console now and can definitely pay off the full sum in month 6 (the 25% apr is a little crippling)

SoBe

/runs to argos

€120 for a ps3 woooooooooo hooooooooo

LUCKY8

I`m Paying €20.83 Per Month, After 6 Months I Can Either Pay It Off In Total With No Interest Or I Can Keep Paying The €20.83 For 48 Months At Interest. But As I Said I Am Going To Clear It Off In September. I`m So Happy Cos All My Friends Forked Out The Full Amount For Theirs And Are Smashed Now , I Got My Hands On The Machine Without Handing Over That Punishing Amount Of Money.

dr.bollocko

Thats defo handy if u wanna game without the sudden hit to the bank books, but surely you are just delaying the pain for 6 months?

LUCKY8

I Think The Guy Said 25.9% If I Choose To Pay Over 48 Months , But 0% If I Pay Over 6 Months , Dont Have My Copy Of The Contract With Me Right Now To Confirm.

The tax man

Argos offer 6 months interest free option on any goods over €275.Example at the back of the catalogue. Tiny payments each month then the balance due on sixth payment. After the 6 months it's 25.9% APR variable.

I suppose it gives someone time to safe up for the final payment.


EDIT jasus typing too slow. Already answered above.:o

LUCKY8

Yeah, Handy For Someone With A Ssia Coming Who Wants The Console Right Now , Was Thinking Of Just Selling It In 6 Months Time And Using The Money To Pay Off The Agreement , So In A Way It Will Be A Free Ps3 For Six Months Hehe!:)

Irishpimpdude

Yea delay that pain by 6 months and 120 euro lol... and yea its 25.9 i just checked on the website cause im smart :rolleyes: lol only buzzin

Rowley Birkin QC

It might be a good idea to invest some of your savings on a course that would teach you the basics of english, i.e. capital letters only live at the start of sentences and proper nouns.

Good deal though, possibly one for bargain alerts.

LUCKY8

I Can Tell You All , It Was Such A Good Feeling To Be Going Home With A Ps3 Under My Arm Today , Having Not Handed Over A Penny! , I`m Not The Only One Either , There Was A Good Few People Asking About The Finance Package While I Was There.

LUCKY8

thanks for that tip bigkev49, i had caps lock on by accident , you would make a great english teacher , how much would you charge me for lessons , that would be a great way to spend my ssia

Helix

LUCKY8 wrote:

I`m Paying €20.83 Per Month, After 6 Months I Can Either Pay It Off In Total With No Interest Or I Can Keep Paying The €20.83 For 48 Months At Interest. But As I Said I Am Going To Clear It Off In September. I`m So Happy Cos All My Friends Forked Out The Full Amount For Theirs And Are Smashed Now , I Got My Hands On The Machine Without Handing Over That Punishing Amount Of Money.

so if you dont pay it off after 6 months, the total price youll pay for your ps3 is €1124.82

insane

dr.bollocko

But that is how they catch you with these interest free credit deals.
Make no mistake that they are trying to sucker you into 4 years of payments.
U have to play v. much by the rules, or u get stung into an agreement whereby you basically owe them an absolute fortune.

LUCKY8

i know what your`re saying but if you just simply pay it all off after 6 months you have nothing to worry about , its that simple! i mean i have six whole months to save (and play!)

Snake Plisken

whats the 7 digit code for the PS3 in Argos does anyone know?

Helix

LUCKY8 wrote:

i know what your`re saying but if you just simply pay it all off after 6 months you have nothing to worry about , its that simple! i mean i have six whole months to save (and play!)

and if you miss it for whatever reason you pay double

LUCKY8

code is 568/7307

Mossy Monk

credit is never cool

mcgarnicle

I was all set to do this after reading this thread but after seeing the price is 650 with no games I can't justify it. Does anyone know if Tesco let you buy on credit?

mayto

Argos are a joke, they added 10/20 euros to the rrp of the 360 aswell. You would think they would have done the opposite. I absolutely hate argos! . Seems like they release a new catalogue to raise the prices. Funny thing is, they sell the ps3 in the Uk at the uk rrp but hey were Irish we like to be ripped off. Wonder how they would justify this considering how everyone else is selling it for 630.

snappieT

#Elites wrote:

could you in theory, pay the 20€ for the first month..then return it before the second month? so you just payed 20€ for a months use of ps3;)?

and OP, stop writing every word with a capital..

Nope. Video games etc are exempt from the 30 day return policy, you can only return if it's broken.

TheMilkyPirate

snappieT wrote:

Nope. Video games etc are exempt from the 30 day return policy, you can only return if it's broken.

Stand on it.

EDIT: Oh, And do you have to pay a deposit or what's the story?

WarZoneBrother

hey anyone know how much it will cost for a ps3 with 2 games and 2 controllers on credit all together and will i have to pay it all off in the 6th month..i am considering doing this but 650euro is a bit of a rip off any other place that sells on credit?

Creamy Goodness

you have to be 18 to get credit.

WarZoneBrother

Cremo wrote:

you have to be 18 to get credit.

then ill get my dad to fill info..do you have to go into the shop once every 6 months to pay 20euro i doubth it..i am thinking of picking mine up on tuesday does it apply to all shops and is there any bundles in argos?

SoBe

WarZoneBrother wrote:

hey anyone know how much it will cost for a ps3 with 2 games and 2 controllers on credit all together and will i have to pay it all off in the 6th month..i am considering doing this but 650euro is a bit of a rip off any other place that sells on credit?

there €630 in argos not €650
see below

http://www.argos.ie/webapp/wcs/stores/servlet/ProductDisplay?storeId=30001&langId=-1&catalogId=10751&productId=1500010431&Trail=C%24cip%3D52279.Video%2Bgames%3EC%24PROMOTION%3D1.Latest%2BPrice%2BDrops&categoryId=52279

but still buying on credit is never a good idea

WarZoneBrother

yes they have took the price down to 630 online anyways will the same apply to in store?

EDIT:never seen the person aboves reply when posting this..can you pay it all off after 2 months?

JohnMc1

LUCKY8 wrote:

Just Got My Ps3 Today , Just Couldn`t Bear The Thought Of Forking Out That Kind Of Money So I Went Into Argos In The Ilac Centre And Got One On Finance, It Only Took Like 15 Minutes To Set Up And They Just Asked Me For Id And A Bill And Took A Few Details, I Was Handed The Machine Ther And Then , Omg Its Just The Most Amazing Piece Of Technology I Have Ever Used, Cant Believe I Have One At Last And Its Just Costing Me Like €20 A Month, Happy Days!

Are all of the Argos stores doing that? It sounds very tempting.

Mossy Monk

been asked about this at work. you say an id and a bill you showed them? would a bank statement suffice instead of a bill?

yom 1

Not 100% sure but it most likely would. They generally need them for proof of address so it doesnt matter if its a phone bill or esb or what so it should be ok as long as you have your photo id aswell

Mossy Monk

that's what i thought

Mitch Connor

it would be great if you could chose your own repayment option (above a minimum) If i could pay off €100 a month for the six months i'd be down to argos in a flash. Paying €20 a month and still having over €500 to hand over at teh end doesn't seem all that appealing to me. A higher monthly payment would be great

Tank Top Fever!

Tauren wrote:

it would be great if you could chose your own repayment option (above a minimum) If i could pay off €100 a month for the six months i'd be down to argos in a flash. Paying €20 a month and still having over €500 to hand over at teh end doesn't seem all that appealing to me. A higher monthly payment would be great

100 a month would be much better actually

JackieChan

Simply put aside the other 80 or so a month until the last payment is required. Not difficult really!

event

how long does it take to capitalise every word?

Mitch Connor

JackieChan wrote:

Simply put aside the other 80 or so a month until the last payment is required. Not difficult really!

yeah - but it would be a lot easier if they just took it off me direct!

JohnMc1

Tauren wrote:

it would be great if you could chose your own repayment option (above a minimum) If i could pay off €100 a month for the six months i'd be down to argos in a flash. Paying €20 a month and still having over €500 to hand over at teh end doesn't seem all that appealing to me. A higher monthly payment would be great

Even if the payment is set at €20 a month you could more than likely pay more. If I end up going this route I would probably just get the system and pay that off. Buy the games, memory cards, etc myself with cash.

I wouldn't be surprised if some people buy tons of stuff with the PS3 on credit.

Mountjoy Mugger

LUCKY8 wrote:

code is 568/7307

Code is 658/3707

sofireland

Harvey Norman do it interest free for 18 months which could be a better option for some

Aedh Baclamh

Anyone got any more info on the Harvey Norman deal? They don't seem to have a website here for some reason.

ntlbell

Aedh Baclamh wrote:

Anyone got any more info on the Harvey Norman deal? They don't seem to have a website here for some reason.

It's not a "deal" on ps's you get 18 months intrest free credit instead of argos's 6 month if it's not paid of in the 18 month's you pay the intrest on the remainder I think it's less than argos's 25% but probably not by much

Aedh Baclamh

Oh they do it for all goods? Is there any catches at all?

ntlbell

Aedh Baclamh wrote:

Oh they do it for all goods? Is there any catches at all?

The only "catch" if you can call it that is you pay higher than average intrest rates if you don't pay it off in the 18 month's.

If you're confident you can pay it off in the given time there's no catch.

Aedh Baclamh

Do you know if they've got an Irish website?

ntlbell

Aedh Baclamh wrote:

Do you know if they've got an Irish website?

Don't think so.

Give them a call.

Aedh Baclamh

Will do, can't beat the old credit.

Thanks!