Currys Creation ‘Your Plan’

5 Posts

So long story short.
I don’t have great credit, infact, it’s pretty poor. My son was after a steering wheel to go with his PS5. I seen the G29 down to £269 on Currys so chanced my arm at being accepted for the credit plan and was accepted.
I went in today to get my SO a new Apple Watch S6 (£349), got all the way through and was then told it was on a 24 hour referral.
This not only perplexed me but also the lady serving me. My credit line is £1500 and had only used the aforementioned £269.
Has anyone else had this issue? Don’t want to be left out of luck as I have everything else in and don’t exactly have £350 just waiting to be spent.
Any help figuring this out would be welcomed.
I don’t have great credit, infact, it’s pretty poor. My son was after a steering wheel to go with his PS5. I seen the G29 down to £269 on Currys so chanced my arm at being accepted for the credit plan and was accepted.
I went in today to get my SO a new Apple Watch S6 (£349), got all the way through and was then told it was on a 24 hour referral.
This not only perplexed me but also the lady serving me. My credit line is £1500 and had only used the aforementioned £269.
Has anyone else had this issue? Don’t want to be left out of luck as I have everything else in and don’t exactly have £350 just waiting to be spent.
Any help figuring this out would be welcomed.
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Also, stop buying gifts on credit. If you don't have the money for expensive gifts, buy less expensive ones with the money you do have.
Second paragraph, no need for that. Had I been organised earlier I’d have paid cash, then again, I should tell family and friends not to die in the last 4 months of the year.
You said your credit is poor but you're intending to spend £618 if you're allowed. That way craziness lies. It's not worth it.
You can't afford it. Please believe me, I speak from experience. Having poor credit and getting into more debt are no fun.
Why such expensive gifts? Are you in a position to pay your credit card off, in full, every month as Martin always recommends? If not, then don't spend any more. For your own sake.
As I said, this is a money saving site. If you start talking about spending money you don't have on gifts, expect some comments pointing out how silly that is.
The steering wheel was dropped on me last week.
In reality I can pay 1 item off each in January and February, with little issue. However, being December a large part of my wage has already gone.
Just because it's not helpful for you doesn't mean it won't be helpful for someone else. The forums are not specifically a helpdesk for the person creating a thread on them, many people read or search these forums for advice and will get valuable information from old threads. The general sentiment of "don't buy things you don't need on credit" is pretty good advice, and one that the site's previous owner extolls a lot. If you're expecting people on this site to not make similar comments to that well, as I said, this is the wrong site to be seeking advice on.
Most people would be horrified that their gift was bought on credit, and would likely return it if possible if they found out. So wait until you have the money and buy it then.
£349 is a huge amount for a single Christmas present when you don't currently have the cash, especially if she already has a smart watch. Nobody needs a smart watch, it's an expensive gadget (especially Apple!) that just gives you a different way to access your phone, which can't be more than 10m away anyway. Unfortunately there are a lot of people on this forum who are in debt because they have access to credit and spend what they don't have on stuff they don't need. You may be able to pay it off in Jan and Feb but what happens if your boiler breaks down in the new year? What happens if your car needs a new tyre?
I agree with HeinzVarieties, I'd be horrified if someone put themselves into debt to buy me an expensive gadget. My mother bought me a £120 practical Christmas gift this year, she has a very well paid job and loads of savings, and I still felt a bit uncomfortable because I think it's a bit pricy for a Christmas present.