NextPay Max Temptation

Dandytf

Honestly with Promo Savings of £90.50, Tempting Indeed.

Nasqueron

You can't afford your current debt
You can't afford new debt

This is MSE not Money Wasting Expert

You are spending over £1000 to  "save" £90.50 - that is not good MSE practice

Don't do it and take another step towards your next DMP (though we all know you will anyway)

Dandytf

Superhoopza said:

Nasqueron said:

You can't afford your current debt
You can't afford new debt

This is MSE not Money Wasting Expert

You are spending over £1000 to  "save" £90.50 - that is not good MSE practice

Don't do it and take another step towards your next DMP (though we all know you will anyway)

I'd say this is trolling and you bite every time.

t.b.f. Mser's gen advise avoiding taking on more unsecured lending, coincidence Next Pay this morning are offering 5k Limit.
This new thread was possibility of renewing bedroom items, which most recent years purchases have been post 10yrs term.

thanks Mser's this new 'purchase' is quite some time away maybe as late as 2025 before I make purchasing decision.

Dandytf

I this email this morning Deserved of a new thread...

born_again

The point is?

Dandytf

born_again said:

The point is?

Sensible Credit Consumers are Rewarded
I wonder though as PP state this increase is since my PP account has been 'reviewed'
Then my current Non PP sums are in effect ignored which is the sensless part to me. 

Nasqueron

Dandytf said:

born_again said:

The point is?

Sensible Credit Consumers are Rewarded
I wonder though as PP state this increase is since my PP account has been 'reviewed'
Then my current Non PP sums are in effect ignored which is the sensless part to me. 

I would hazard a guess it's more that they think they can make more money from you and are increasing the limit accordingly. If you don't spend on the credit, it's no bad thing to have more available but if you do see it as an excuse to spend more then it's not a good thing.

Dandytf

Nasqueron said:

Dandytf said:

born_again said:

The point is?

Sensible Credit Consumers are Rewarded
I wonder though as PP state this increase is since my PP account has been 'reviewed'
Then my current Non PP sums are in effect ignored which is the sensless part to me. 

I would hazard a guess it's more that they think they can make more money from you and are increasing the limit accordingly. If you don't spend on the credit, it's no bad thing to have more available but if you do see it as an excuse to spend more then it's not a good thing.

Quite possibly as 35% has been reached from original limit  until ev cable and AirPods 2 are repaid.
PP have not been slow with recent increase, which reduces current to 21%.

Nasqueron

Dandytf said:

Nasqueron said:

Dandytf said:

born_again said:

The point is?

Sensible Credit Consumers are Rewarded
I wonder though as PP state this increase is since my PP account has been 'reviewed'
Then my current Non PP sums are in effect ignored which is the sensless part to me. 

I would hazard a guess it's more that they think they can make more money from you and are increasing the limit accordingly. If you don't spend on the credit, it's no bad thing to have more available but if you do see it as an excuse to spend more then it's not a good thing.

Quite possibly as 35% has been reached from original limit  until ev cable and AirPods 2 are repaid.
PP have not been slow with recent increase, which reduces current to 21%.

35% is an irrelevant nominal value, if you have open debt, even on 0%, it counts against you. Why would you need to put some £130 buds on credit repayments? Surely better to save and pay in one go to cause less harm to the credit record?

Dandytf

@Nasqueron
Not found any Negative credit effect, considering what's happened since AirPods pro2 via PP.
I've managed to have access to multi existing credit facilities with next+pp generous limit increases.
PP are being quite modern as are other credit/payment providers, lots of these are being included as genuine purchase method, which in PP's example allow multi payment sources to be chosen from.
I don't expect any further Tech purchases for some time.
The PP logo at purchase is Amazing, I've used Curry's/Next/Maybe JD Sports -though they can also use Klarna.
+1 or 2 somewhat funny named providers of Credit via Homebase for paint.
It's the kind of almost Embedded Payment methods for online purchases, quite Amazing.
 

Dandytf

It's Golden offer time, 3rd being VM again didn't use 2nd '23-Early'24.
Yet todays. offer is Jun '24-July '25.
This carries Balance, I've No intention of using this latest 0%.