Argos - Buy now pay later |
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irishmufc
Robbie Keane I love Vulvas Joined: 09 Aug 2011 Location: Dublin Status: Offline Points: 24975 |
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Posted: 01 Nov 2014 at 4:55pm |
Thinking of getting a PS4 but can't pay it in the one go. Just finished paying off a credit union loan and got a letter confirming it. I'm paying off an old Vodafone bill pay contract every week with one of their credit management (debt collector) crowds so will I get refused if I go in and enquire? I've also an overdrawn student bank account of €650.
I assume they probably won't give it to me. Anyone ever done this buy now pay later craic? |
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Wings? They're only the band The Beatles could have been.
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bhob
Roy Keane YBIGs Donald Trump Joined: 13 Feb 2009 Location: Ireland Status: Offline Points: 10470 |
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Whats the rush? Why don't you save and also pay off your outstanding bills instead of putting yourself in more debt?
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t_rAndy
Robbie Keane Joined: 06 Feb 2008 Location: Ireland Status: Offline Points: 26159 |
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They'll do a credit check on you. With electrical goods I'd imagine they would be even stricter on giving credit then say a credit union would be giving you a small loan.
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SuperDave84
Robbie Keane ooh Thomas, how could you do this to me! Joined: 26 Aug 2011 Location: Far Fungannon Status: Offline Points: 21384 |
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Get yourself out of debt first. Fire the money you would pay towards the PS4 into the credit union and you'll be able to afford it in no time.
Whatever about the vodafone bill (which they probably aren't charging interest or penalties on) or the (presumably interest free) student overdraft, the argos deal presumably involves hefty enough interest. I wouldn't touch it, anyway. You'll only be paying a fortune in the long run. Just checked. 22.99% apr. If you really want one, and don't want to wait, get a loan from the credit union. It'll be far cheaper. Edited by SuperDave84 - 01 Nov 2014 at 5:17pm |
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devondudley
Liam Brady Joined: 30 Oct 2009 Status: Offline Points: 1398 |
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as said above pay off debt first, why put yourself in more debt for a ps4. just on a side note has anyone seen the apr on wonga and other payday loan crowds
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But fumble in a greasy till
And add the halfpence to the pence And pray to shivering prayer, until You have dried the marrow from the bone. W. B. Yeats, September 1913 |
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theheff1989
Ray Houghton My name badge won a prize Joined: 08 May 2012 Location: Wexford Status: Offline Points: 4667 |
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PS4 is a luxury item and is something you can do without. Pay off you debts first before getting one.
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theheff1989
Ray Houghton My name badge won a prize Joined: 08 May 2012 Location: Wexford Status: Offline Points: 4667 |
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Never a big one of buy now and pay later always rather save the money and pay it when I have it.
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irishmufc
Robbie Keane I love Vulvas Joined: 09 Aug 2011 Location: Dublin Status: Offline Points: 24975 |
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PES 2015 is out on the 11th of November so would like to have it for that.
I actually got a job yesterday but not starting it until Monday week. So I'd have the PS4 paid fully for within 6 weeks as my first two full week wages will have it paid for anyway. The credit union probably won't give me a loan as I've only just paid back one and I've shag all in the account and the usually only loan double what you have in your account. I suppose I could ask them for a 400 loan and show them proof that I've gotten a full time job. Edited by irishmufc - 01 Nov 2014 at 6:30pm |
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Wings? They're only the band The Beatles could have been.
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SuperDave84
Robbie Keane ooh Thomas, how could you do this to me! Joined: 26 Aug 2011 Location: Far Fungannon Status: Offline Points: 21384 |
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Leave it and live within your means for a few weeks. You won't be able to spend all your wages on it, you'll need to spend money on life.
Well, that, and getting the bus to Dublin to spend €5 on nights out. PES isn't worth going into debt over. |
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devondudley
Liam Brady Joined: 30 Oct 2009 Status: Offline Points: 1398 |
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a loan from the credit union for 400 euro for a ps4 is crazy in so many ways, if you have a job cant you just wait a few weeks and buy it, what age are you if you dont mind me asking? thats like something i would have considered when i was 16/17
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But fumble in a greasy till
And add the halfpence to the pence And pray to shivering prayer, until You have dried the marrow from the bone. W. B. Yeats, September 1913 |
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irishmale0399
Liam Brady Joined: 17 Sep 2013 Location: Oriel Park Status: Offline Points: 1304 |
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Go to work first.....save your bloody money and read a few newspapers or books until you have paid your debts off with Vodafone and saved for luxury. If you have arranged a repayment plan with the Vodafone debt collectors and default they will take you to the cleaners.
Simple question........do you need the PS4 to live or to get to your new job, Will it pay your rent, put food on your table and take you off the dole??? If not then you dont need a feckin loan to get one, put your time into making a good impression in the new job so that you can keep it. Jobs are hard enough to get....... |
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t_rAndy
Robbie Keane Joined: 06 Feb 2008 Location: Ireland Status: Offline Points: 26159 |
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Defo wait til you get the money up now you have a job too. Would love to only have to worry about whether I get a PlayStation 4 next week or next month.
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ABFC
Liam Brady Joined: 25 Oct 2014 Status: Offline Points: 1599 |
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There's lots of things i'd love to get but can't afford. I wouldn't be taking out a loan to get a bleedin ps4 either
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Trap for Pope
Liam Brady Joined: 13 Oct 2011 Status: Offline Points: 1744 |
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WUM?
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Living for Away days
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irishmufc
Robbie Keane I love Vulvas Joined: 09 Aug 2011 Location: Dublin Status: Offline Points: 24975 |
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I'm just an impatient prick and want to get it this week. It's probably not worth the hassle though. I wanted to celebrate getting the job with a treat for myself this week but wish I hadn't asked now. Edited by irishmufc - 01 Nov 2014 at 8:43pm |
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Wings? They're only the band The Beatles could have been.
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nvidic
Moderator Group Joined: 03 Aug 2010 Status: Offline Points: 18937 |
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Wanted a ps4 before myself, got a ps3 with eleven games for e110 instead as that's what I could afford, madness to buy it until you have the cash
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HateHenry
Ray Houghton Crap at lists & YBIG KK Joined: 14 Feb 2012 Location: Zuffenhausen Status: Offline Points: 3648 |
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buy a football and go out and kick sh*t out of it... how can life quality be superceded by a computer game?!!
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Polska Bialo Czerwoni
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Green Devil
Robbie Keane Aye Kes, I've pissed me-self again Joined: 06 Oct 2010 Location: Barbados Status: Offline Points: 22173 |
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That classic
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"He drives two Ferraris; I think he's a very lucky lad to have 50 caps for Ireland,"
Eamonn Dunphy on Glenn Whelan |
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