Currys Creation ‘Your Plan’

StevieScotland

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. 

HeinzVarieties

They're entitled to limit any purchases as they see fit.  Having a £1500 limit means you can spend up to that amount but all purchases will ultimately be at the finance company's discretion.

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.

StevieScotland

First paragraph noted.

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. 

HeinzVarieties

StevieScotland said:

First paragraph noted.

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. 

It's a money saving site. If you expect to not be told not to spend money you don't have on gifts this is the wrong site to come to.

StevieScotland

HeinzVarieties said:

StevieScotland said:

First paragraph noted.

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. 

It's a money saving site. If you expect to not be told not to spend money you don't have on gifts this is the wrong site to come to.

I asked a question about a credit referral.  You turned it into something irrelevant. How I spend money is of no concern to you or anyone else. 

I got the steering wheel on BNPL, that’ll be paid off in February. The watch was also 24m interest free. I’ll have that paid off in May. 

If you can’t just give a sensible reply and need to add in extra, then you shouldn’t be on here.

MalMonroe

Again, I'm agreeing with HeinzVarieties but on a different post now . .  

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. 

HeinzVarieties

StevieScotland said:

HeinzVarieties said:

StevieScotland said:

First paragraph noted.

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. 

It's a money saving site. If you expect to not be told not to spend money you don't have on gifts this is the wrong site to come to.

I asked a question about a credit referral.  You turned it into something irrelevant. How I spend money is of no concern to you or anyone else. 

I got the steering wheel on BNPL, that’ll be paid off in February. The watch was also 24m interest free. I’ll have that paid off in May. 

If you can’t just give a sensible reply and need to add in extra, then you shouldn’t be on here.

It was a sensible reply, it just wasn't the specific response you were looking for.  You also don't get to dictate what the responses are in a public forum.

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.

StevieScotland

I was after a reply to the referral, not about how I use my finances.

StevieScotland

MalMonroe said:

Again, I'm agreeing with HeinzVarieties but on a different post now . .  

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. 

I don’t own credit cards. Have done but learned a tough lesson. If I wasn’t allowed to use their credit facility they wouldn’t have allowed it in the first instance. 

Yes my credit is poor, doesn’t mean I can’t afford the items, just not in cash at this particular time.

The watch is for my SO, her old one is 4 years old now and it’s somewhat of a suprise.

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. 

HeinzVarieties

StevieScotland said:

I was after a reply to the referral, not about how I use my finances.

And you don't get to dictate what responses you get.

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.

MaryNB

StevieScotland said:

MalMonroe said:

Again, I'm agreeing with HeinzVarieties but on a different post now . .  

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. 

I don’t own credit cards. Have done but learned a tough lesson. If I wasn’t allowed to use their credit facility they wouldn’t have allowed it in the first instance. 

Yes my credit is poor, doesn’t mean I can’t afford the items, just not in cash at this particular time.

The watch is for my SO, her old one is 4 years old now and it’s somewhat of a suprise.

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. 

I think for your own sake you may need to reassess your understanding of "afford". I certainly wouldn't consider an Apple smart watch affordable if I had no cash available. In terms of my own finances, I would consider any non-essential item that risks eating into my emergency funds (equivalent to 6 month's essential expenses) as unaffordable. 

£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.