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Frasers: charging more if you dont take out their credit
Twickenham_Ben
Posts: 6
Forumite
Hello - one of our kids wants a North Face jacket and found one on sale at the Frasers website.
However, to get the sale price, you must take out their Buy Now Pay Later BNPL product. This year many items in their winter sale have a similar requirement. If you want to pay cash you end up paying a lot more
Is this legal
Is this legal
0
Comments
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Here is a screenshot showing how the coat is £56 more expensive if you dont take out the credit.That is going to tempt a lot of people to borrow (and get into trouble) when they were going to pay in cash
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Nothing illegal in it that I know of.
I believe you can also just pay off the balance and not have to wait to pay it over 3 months.
As you say though, not good to be encouraging people to be taking credit when they don't need to.2 -
Pmd the team to move to an actual board as it’s currently not posted on one.
I’m a Senior Forum Ambassador and I support the Forum Team on Competitions Time, Shopping & Freebies boards, Employment, Jobseeking & Training boards If you need any help on these boards, do let me know. Please note that Ambassadors are not moderators. Any posts you spot in breach of the Forum Rules should be reported via the report button, or by emailing forumteam@moneysavingexpert.com. All views are my own and not the official line of MoneySavingExpert.0 -
People buy cars by taking finance to get a disxcount and then settling it quickly to avoid paying lots of interest. If you can do the same as is suggested then I don't see what the problem is.0
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Not quite the same as the price of the car isn't based on how it will be paid for.giraffe69 said:People buy cars by taking finance to get a disxcount and then settling it quickly to avoid paying lots of interest. If you can do the same as is suggested then I don't see what the problem is.0 -
It sort of is.daveyjp said:
Not quite the same as the price of the car isn't based on how it will be paid for.giraffe69 said:People buy cars by taking finance to get a disxcount and then settling it quickly to avoid paying lots of interest. If you can do the same as is suggested then I don't see what the problem is.
Buy a car, £25k cash.
Buy a car on finance, £25k with £3k finance incentive.
Anyway, that is a digression.
The OP may be interested to know that the same jacket seems to be £209 for cash on the House of Fraser website this evening (rather than Frasers website)1 -
How many people actually have or want to £315 spare to spend on that jacket , if any ? More likely clever marketing. Combined with BNPL sucks people into believing it's a good value deal.Twickenham_Ben said:Here is a screenshot showing how the coat is £56 more expensive if you dont take out the credit.That is going to tempt a lot of people to borrow (and get into trouble) when they were going to pay in cash0 -
That's one ugly jacket. Save your money!0
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£300 for a jacket . I thought there was a cost of living crisis !2
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