Poor people and credit
Discussion
it's real, so maybe it's "inspired" (read copied) by Cartier. My 21st birthday present was an Aquaracer that is essentially a copy of a blue faced, bi-metal sub, especially when you look at the oyster bracelet etc. Saying that, there are only so many different ways you can shape metal!DonkeyApple said:
There isn't anywhere in the planet outside of hair salons or gay bars where buying jewellery on credit makes any sense at all. Bonkers.
If it's zero percent interest - then it makes sense anywhere.Say I want to buy a watch worth £1000 that is on 6 months 0% credit. I have more than enough in the bank to over the £1000.
I could buy the watch using my own money now - or I could take the 0% interest offer - then pay it off in 6 months using the money I have in the bank.
Surely taking the credit makes perfect sense:
1. I get to have the watch now, just as I would if I bought it outright - but I get to leave my £1000 in the bank and earn 6 months worth of interest on it.
2. If I take credit and don't default - I get to build up a credit record, which could help in the future if I need to buy something I don't have the money just sitting around for (e.g. a house).
You'd be stupid not to take the 0% interest offer.
Moonhawk said:
DonkeyApple said:
There isn't anywhere in the planet outside of hair salons or gay bars where buying jewellery on credit makes any sense at all. Bonkers.
If it's zero percent interest - then it makes sense anywhere.Say I want to buy a watch worth £1000 that is on 6 months 0% credit. I have more than enough in the bank to over the £1000.
I could buy the watch using my own money now - or I could take the 0% interest offer - then pay it off in 6 months using the money I have in the bank.
Surely taking the credit makes perfect sense:
1. I get to have the watch now, just as I would if I bought it outright - but I get to leave my £1000 in the bank and earn 6 months worth of interest on it.
2. If I take credit and don't default - I get to build up a credit record, which could help in the future if I need to buy something I don't have the money just sitting around for (e.g. a house).
You'd be stupid not to take the 0% interest offer.
Secondly, it's a good indicator that there is more to come off the price.
And thirdly, no one in their right mind is going to fanny about with credit paperwork. You're just going to give the money over and leave.
DonkeyApple said:
Moonhawk said:
DonkeyApple said:
There isn't anywhere in the planet outside of hair salons or gay bars where buying jewellery on credit makes any sense at all. Bonkers.
If it's zero percent interest - then it makes sense anywhere.Say I want to buy a watch worth £1000 that is on 6 months 0% credit. I have more than enough in the bank to over the £1000.
I could buy the watch using my own money now - or I could take the 0% interest offer - then pay it off in 6 months using the money I have in the bank.
Surely taking the credit makes perfect sense:
1. I get to have the watch now, just as I would if I bought it outright - but I get to leave my £1000 in the bank and earn 6 months worth of interest on it.
2. If I take credit and don't default - I get to build up a credit record, which could help in the future if I need to buy something I don't have the money just sitting around for (e.g. a house).
You'd be stupid not to take the 0% interest offer.
Secondly, it's a good indicator that there is more to come off the price.
And thirdly, no one in their right mind is going to fanny about with credit paperwork. You're just going to give the money over and leave.
Rolex are hard to get a discount off of if you want to be the "first" owner on the papers. Got my missus a nice datejust with Diamond baton markers that we got off a broker in London via a shop in Greece. She's not the first owner on the papers, but that's not an issue to us. But, if I wanted to tick a Rolex, 0% is pretty much as good as it gets, and the deal isn't really front-loaded. Agreed that TAGs, Omega's, PAMs etc have some wiggle room, but Rolex are very strict on discounting unless you go "grey" like we did.
Didn't get to tick the Rolex today, someone had bought it before I got there
DonkeyApple said:
Firstly, there is no such thing as 0%. It's a marketing gimmick. You're still paying interest except it's front loaded in the deal.
Secondly, it's a good indicator that there is more to come off the price.
And thirdly, no one in their right mind is going to fanny about with credit paperwork. You're just going to give the money over and leave.
What a complet load of arrogant rubbish, do you realise how sad you come across as?Secondly, it's a good indicator that there is more to come off the price.
And thirdly, no one in their right mind is going to fanny about with credit paperwork. You're just going to give the money over and leave.
Nearly 300 posts per month, maybe you should try the real world for a change, you are completely out of touch with reality.
Edited by berlintaxi on Saturday 13th February 15:47
berlintaxi said:
DonkeyApple said:
Firstly, there is no such thing as 0%. It's a marketing gimmick. You're still paying interest except it's front loaded in the deal.
Secondly, it's a good indicator that there is more to come off the price.
And thirdly, no one in their right mind is going to fanny about with credit paperwork. You're just going to give the money over and leave.
What a complet load of arrogant rubbish, do you realise how sad you come across as?Secondly, it's a good indicator that there is more to come off the price.
And thirdly, no one in their right mind is going to fanny about with credit paperwork. You're just going to give the money over and leave.
Nearly 300 posts per month, maybe you should try the real world for a change, you are completely out of touch with reality.
Edited by berlintaxi on Saturday 13th February 15:47
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