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Started By
Message
re: 0% interest question
Posted on 2/20/13 at 6:07 pm to LNCHBOX
Posted on 2/20/13 at 6:07 pm to LNCHBOX
quote:
Well, they don't offer a discount for paying cash, so using the 0% offer isn't costing me anything any other consumer isn't paying. That disproves your assertion.
And who said anything about building wealth using a store card? You strike me as a douche bag think you know it all type.
Been called a douchebag twice in this thread, I must be hitting some nerves.
And you haven't disproved my assertion, the 0% offer is costing you more than the savvy consumer because even if you are one of 16% that pay off the note quickly, you're still paying full retail price for a product that goes down in value.
Not to mention the added cost of assuming a debt risk, the cost of your time to make the payments, the hassle of junk mail, fraud and identity theft risk.
And while I'm quite positive I don't know it all, I'm 100% sure I know this: I don't have to deal with any of that bullshite with cash.
2
Posted on 2/20/13 at 7:35 pm to Vols&Shaft83
quote:
And you haven't disproved my assertion, the 0% offer is costing you more than the savvy consumer because even if you are one of 16% that pay off the note quickly, you're still paying full retail price for a product that goes down in value.
That's not what the argument was, but whatever dude. You're clearly smarter than all of us. And I'd love to know how paying $xxx all at once versus paying $xxx over 6 payments somehow is costing me more. If anything I'm out ahead
due to inflation.
quote:
Not to mention the added cost of assuming a debt risk, the cost of your time to make the payments, the hassle of junk mail, fraud and identity theft risk.
Online account eliminates all of that except for the risk, and I monitor my credit freely, so not too worried about that either. Keep going though with things that have nothing to do with the claim you made.
quote:
And while I'm quite positive I don't know it all, I'm 100% sure I know this: I don't have to deal with any of that bullshite with cash.
Is this a Dave Ramsey philosophy you're trying to propagate?
Posted on 2/20/13 at 11:28 pm to Vols&Shaft83
quote:
even if you are one of 16% that pay off the note quickly, you're still paying full retail price for a product that goes down in value.
That has nothing to do with whether you pay in cash up front or whether you pay with a 0% APR card.
And if you pay with that 0% APR card you gain benefits you would otherwise not have.
So you fail. Sorry.
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