PC World Pay Monthly

Greyrob

Hi there.

I wasn't too sure if this is the right place to post this.


Recently my old laptop has pretty much died on me, and I'm in need of a new laptop. I was thinking of getting a Macbook from PC World on their "Pay Monthly Plan", and I wanted to know what is required of me to qualify for it.

I had a look at their requirements online and I pretty much meet all of them, being over 18, with two jobs (meaning I can actually afford the payments) and have a landline number to boot, but I was wondering if there's anything else that I need to have to qualify for it, and what the process of applying for the pay monthly plan is, if anyone has ever done it?

I've always qualified for mobile phone contracts and broadband contracts, but was declined for a Bank Account from Barclays, for some obscure reason (I hear barclays have very strict requirements in place) so I don't know if any of these will help or hinder me.

So if anyone could give me advice as to what is required of me to qualify, and what the process of applying for this is, I would be forever thankful!

Thanks .

You-kip

Barclays don't have any strict requirements for a Bank account so you getting turned for them is a sign your credit files are a mess or you've a very limited credit history .

99.9% people meet the requirements for credit at PC world but it's passing their credit check you need to do and without a history of paying back what you've borrowed like credit cards etc then you'll most likely get rejected.

Hominu

Agreed, PC Worlds "Pay Monthly" plan requires a proven history of other "Pay Monthly" plans on your credit report. If you have a couple of such on your credit report (eg. mobile phone and credit card) then you should be fine.

Only one way to find out

Fruit_and_Nut_Case

Greyrob wrote: »

I wasn't too sure if this is the right place to post this.

I would have thought that Loans rather than Credit Cards would have been the place. Good luck with your purchase, though.

[Deleted User]

Greyrob wrote: »

but I was wondering if there's anything else that I need to have to qualify for it

Yes, you need to have more money than sense.

They're already charging way more than the manufacturer sells them for, even before they add interest.

Get a bank loan and buy elsewhere.

You should also be very wary, of anyone who gives their repayment details as "Per Week", rather than "Per Month".

Gromitt

Bedsit_Bob wrote: »

Yes, you need to have more money than sense.

They're already charging way more than the manufacturer sells them for, even before they add interest.

I disagree. I find PC World competitive on various products. Of course they'll try and sell you a meter long gold plated usb cable for £99 when a similar cable will work just as well for £2, but thats the same with most big retailers, as is the staff's insistence on various insurance.

For example, take an 16GB iPad 2. £329 at PC World, Argos, Very, Apple, Maplin, Misco, etc...

Likewise with printers, tvs and various other equipment.

Sometimes they are even cheaper!

SuperHan

Gromitt wrote: »

I disagree. I find PC World competitive on various products. Of course they'll try and sell you a meter long gold plated usb cable for £99 when a similar cable will work just as well for £2, but thats the same with most big retailers, as is the staff's insistence on various insurance.

For example, take an 16GB iPad 2. £329 at PC World, Argos, Very, Apple, Maplin, Misco, etc...

Likewise with printers, tvs and various other equipment.

Sometimes they are even cheaper!

I agree. And they price match + 10%, so if things are cheaper (that said, it is difficult to truly compare in the electronics market).

Their finance deals can be quite fair too. Simply 10 (or however it's branded nowadays) is an easy 11 x 10% payments, so for lower priced goods, can work out quite well.

Plus a bank loan for potentially sub £1k can be quite difficult to come by. A 0% purchases credit card may be more useful if OP is considering options.

BrookesAndrew

I dont have much credit history and I applied for an Argos card and they declined me. I think PC world will be much the same. Try and get a credit card first and keep that for 12 months and then check your credit score then and apply for a store card then or PC world monthly plan.

Jakg

Bedsit_Bob wrote: »

They're already charging way more than the manufacturer sells them for, even before they add interest.

Really?

In that case, could you find Apple selling *any* of their products cheaper direct than PC World sell them for?

I'd be very surprised if you could! (and no, student discount doesn't count!).

Sometimes (rarely, admittedly) they are even cheaper - when I bought my MacBook Pro 13" Retina from them Apple wanted £1449 for it, whereas PC World were selling it for £1249 (the price has since dropped on both sides I know)

The 24 / 36 month plans get expensive, the Simply 10 one works out as 10% interest over 10 months (so £100). The 6 month finance one is bearable with 0% interest but a £25 admin fee, which isn't *that* bad.

If you go into a store and ask they can get you a quote showing you each different option and the relative prices for you to have a think about it.

Deposit is a minimum of 10% (so £100), but putting down more (has to be from a card) will increase your chances of getting accepted as your borrowing less.

If you need to stretch it out over 2 or 3 years I'd question if it's the laptop for you - I love my MacBook but on paper it does everything a £300 laptop would (although not as well).

Maestro.

BrookesAndrew wrote: »

I dont have much credit history and I applied for an Argos card and they declined me. I think PC world will be much the same. Try and get a credit card first and keep that for 12 months and then check your credit score then and apply for a store card then or PC world monthly plan.

Pardon me if I mistake you for someone else but don't you hold a vanquis card? They also underwrite Argos card so is probably why you were declined. A blessing in some ways! :rotfl:

chanz4

pcworld is a hypermarket, can sometimes be good on apple prices. Its just ashame the staff don't know what they are talking about.