Creation Flexi Plan....Is it retailer specific.

Dandytf

Though I haven't applied via Curry's for Creation Credit for some years, I found any Apps I did try were rejected.
I now have Creation offering up-to 11k for a b/q kitchen.
Are these Creation Flexi plans retailer specific.
Could kitchen credit further reduce tech purchases via Curry's.

Brie

I got a Creation account for a kitchen as well.  Since then I've been sent repeated offers for other things like Currys and others so I doubt it's retailer specific.

What I don't like though is I've no way to view what is being charged to the account or paid off.  Just the monthly figure of the DD.  What is also concerning is that they will text me a DD amount that differs from what is actually being paid.  When queried there seems there is no issue from their side, they simply agree with what I say I think should be happening.  

Not a good or competent account.  

Dandytf

Pre approved at last!
Much more expensive 29.9apr.

Brie

Have you checked how the repayments will work?  29.9% is a bit high compared to many credit cards and presuming you will be paying this from day 1 of purchase you might want to pay it off asap.  But would any of the payment go against any 0% balance you have?  If it was a credit card it shouldn't but this isn't a CC.  

Dandytf

@Brie

Standard reminder though not yet seen if order of repayment could become relevant.

If multi credit agreements in place via curry/creation your plan, One payment can be made

Yes, you have a consolidated view of all your purchase plans and we take one Direct Debit payment monthly to cover all your agreements.

If it’s BNPL offer then 0% interest if paid in full for offer term.

I can view b/q Flexi Plan+Currys your plan via Creation site.

I don't envisage using 29.9 for tech, maybe rare bnpl offer if and when required.

b/q were 17.9% if kitchen isn't paid in 48mths, it's 0% until then.

Dandytf

Brie said:

I got a Creation account for a kitchen as well.  Since then I've been sent repeated offers for other things like Currys and others so I doubt it's retailer specific.

What I don't like though is I've no way to view what is being charged to the account or paid off.  Just the monthly figure of the DD.  What is also concerning is that they will text me a DD amount that differs from what is actually being paid.  When queried there seems there is no issue from their side, they simply agree with what I say I think should be happening.  

Not a good or competent account.  

I'll need to keep eye on my Curry's Creation your plan, only minor purchases.
Seems fairly straightforward though the retailers and Creation insist in highlighting 29.apr, even once 0% option is selected.
t.b.f. at least it states clearly 29.9 kicks in if 0% isn't fully repaid in x months.