Sorry, I guess shouldh'v tried to be more specific. I own a debit card, but need to get a credit card soon to start building my credit. So yes, I was curious about a payment plan.Firstpenguin said:what do you mean? Some kind of payment plan? Or do you just not have a credit card? Have you considered paypal linked to your bank account? I think that might be an option.
Doesn't make sense to me. Just buy it outright you'll have plenty of opportunity to buy foot controllers speakers, accessories ect to build your credit with. Smaller items you can pay off quickly and not be burdened with debt in case you run into a tough spot financially. Personally I wouldn't "plan" to be in debt.hp/mp said:Sorry, I guess shouldh'v tried to be more specific. I own a debit card, but need to get a credit card soon to start building my credit. So yes, I was curious about a payment plan.Firstpenguin said:what do you mean? Some kind of payment plan? Or do you just not have a credit card? Have you considered paypal linked to your bank account? I think that might be an option.
I've just heard that if you can make good payments over a longer period of time, that your credit will build higher (sorry, cap'n obvious). So I was figuring that since I don't make purchases often, and I have more than enough money for the Axe, that I could use it to build credit over say, 1 years time. Not possible?
hp/mp said:Okay..I'm starting to get it better.. Like I said before I have more than enough money in the bank now, and my goal is just to build credit.
So then is it a good general idea to just not buy anything with credit over say, 1k, even if you have the cash in the bank? ..I'm starting to wonder if it buying a poweramp or speakers down the line would warrant a credit card use ?_?
If your parents are able, look up co-signing.hp/mp said:(I just want to be able to rent an apt.)
Since so many of us have ruminated on the subject of Cliff the person I will take this opportunity to publicly hope that Cliff in his infinite morality wouldn't want to add to current problems in the world by opening pandora's box and allowing gear junkies to dig their graves any deeper. Get yourself a cookie jar, piggy bank, or a tin can. Save a little. Even better put it somewhere it can gain some interest. Truth be told if you've got decent tube gear or a fancy pedal board. Selling off the gear the axe replaces often pays for most or all of it.Gary said:at first, the title of the post suggested to me that he was wondering why Fractal and /or G66 hadn't yet offered a payment plan. Even in the midst of this recession, imagine the take-up of the Axe if you could get it on 18 months interest free credit. Could any factory cope with the demand? Could any forum cope with the newbies ?
Firstpenguin said:Since so many of us have ruminated on the subject of Cliff the person I will take this opportunity to publicly hope that Cliff in his infinite morality wouldn't want to add to current problems in the world by opening pandora's box and allowing gear junkies to dig their graves any deeper. Get yourself a cookie jar, piggy bank, or a tin can. Save a little. Even better put it somewhere it can gain some interest. Truth be told if you've got decent tube gear or a fancy pedal board. Selling off the gear the axe replaces often pays for most or all of it.Gary said:at first, the title of the post suggested to me that he was wondering why Fractal and /or G66 hadn't yet offered a payment plan. Even in the midst of this recession, imagine the take-up of the Axe if you could get it on 18 months interest free credit. Could any factory cope with the demand? Could any forum cope with the newbies ?
Gary said:at first, the title of the post suggested to me that he was wondering why Fractal and /or G66 hadn't yet offered a payment plan. Even in the midst of this recession, imagine the take-up of the Axe if you could get it on 18 months interest free credit. Could any factory cope with the demand? Could any forum cope with the newbies ?
satch_fly said:I always buy expensive gear like the AxeFX on my credit card. Why? Because my credit card issuer offers me additional insurance which you simply don't get by paying cash. The one time I paid for something without using my card was the one time that the company went out of business after it had cashed my cheque but before it had shipped the product. I lost the money. If I'd paid by credit card I'd have been taken care of 100%. Credit cards are excellent if used wisely.
hp/mp said:Aha, thanks, G-tiz. I had foolishly not researched other options to build credit until reading your post . Now I'm a little wiser, but the whole credit thing is a mess, but that's another story. (I just want to be able to rent an apt.)
So then even if I have the money for lower priced items below 1k, you'd say to avoid payment plans on gear from sites that offer them? ..Just makin sure
Of course if you pay off a Credit Card before they charge you interest you haven't built any credit.
To build credit you need to carry a balance on the card and you need to make your payments on time over a long period of time