Got Declined for a Very Account...not sure why?

MentalMinnie

skintdad wrote: »

catalogues never used to charge an interest rate as such. they made money as the selling price was always more than elsewhere and then it would be spread over x number of weeks. eg £250 tv, catalogue price £400 = 40 easy weekly payments of £10. now people are generally more value conscious and can check prices on internet, they work more like a high interest rate credit card that can only be used in 1 shop. they will make money on the people that can't afford to pay over 3 installments or miss the pay back date for buy now pay later

With the BNPL 12 month option, can we pay before the 12 months. We need to get a hoover, but we're getting married in 5 months, so can't really afford to buy at the mo. Can we pay it off in full over two months as soon as wedding is done?

MentalMinnie

The TV will be an added bonus, getting an extra 10% off.

kksweety

MentalMinnie wrote: »

With the BNPL 12 month option, can we pay before the 12 months. We need to get a hoover, but we're getting married in 5 months, so can't really afford to buy at the mo. Can we pay it off in full over two months as soon as wedding is done?

Hey,

You can pay as much as you like anytime you like. I do it all online but you can also call them up.

I have a number of BNPL and I just stick some money across them every so often.

They do also give you reminders of when the BNPL is up and about 2 months before, it comes up on your online account with options ie. pay it off or pay interest.

Rupert_Bear

The good thing with their BNPL option you can always pay by your credit card. When my BNPL is nearly up I will pay with my cash back credit card and will get another 56 days extra plus 1 percent cash back.

MentalMinnie

Rupert_Bear wrote: »

The good thing with their BNPL option you can always pay by your credit card. When my BNPL is nearly up I will pay with my cash back credit card and will get another 56 days extra plus 1 percent cash back.

Thats worth remembering, but we will pay in full for the TV and hoover straight after the honeymoon. Is it bad that i've seen LOADS of stuff for the house that I want?! Haha!

Rupert_Bear

MentalMinnie wrote: »

Thats worth remembering, but we will pay in full for the TV and hoover straight after the honeymoon. Is it bad that i've seen LOADS of stuff for the house that I want?! Haha!

I can imagine!

MentalMinnie

Rupert_Bear wrote: »

I can imagine!

And it's all furniture! A few years ago it would have been clothes and shoes. I'm getting old!

boogiemaster

That's what my first order was clothes and boots for my wife and I'm sure the catalogue think I'm a cross dresser being a man ordering women's clothes

The things women put men through

MentalMinnie

boogiemaster wrote: »

That's what my first order was clothes and boots for my wife and I'm sure the catalogue think I'm a cross dresser being a man ordering women's clothes

The things women put men through

It'll be the other way round for me, my OH 'needs' new clothes, and i want furniture!!

skintdad

boogiemaster wrote: »

That's what my first order was clothes and boots for my wife and I'm sure the catalogue think I'm a cross dresser being a man ordering women's clothes

The things women put men through

only if your wife wears size 8 (or above) shoes