Dixon & Currys credit check ?

cheeky-virgin

Hello

I hope i am writing in proper section.

Well i want to buy a laptop and a camcoder from dixons or currys next month and i need to know how hard is their credit check for pay monthly finance options.

Have you gone through with any experiance.

Thanks.

Inactive

Have you seen their interest rates?, use a Credit Card.

( If you really must buy from them ).

cheeky-virgin

Inactive wrote: »

Have you seen their interest rates?, use a Credit Card.

( If you really must buy from them ).

Well if you see on their website it does says interest free period of between 6 to 10 months, if i pay them full until that period i dont need to pay any extra.

So my question is still there , how hard is their credit check system ?

Thanks.

robt_2

More than likely very difficult in the current climate.

Debt_Free_Chick

It's impossible to say how hard their credit check is. A check is not "standard" and each company decides what the "pass" criteria is. It could be influenced by your job, address, salary ... it will almost certainly take account of current debt levels and, of course, your current credit record.

And - as robt says - all lenders are getting a little more "picky" at the moment.

All you can do is apply and see what happens.

robpw2

Hfc bank are the lenders for currys dixons pc world and comet . And from my experience its not easu to get credit and of course if you are refused at one then you refused at all because its the same company

Inactive

robpw2 wrote: »

Hfc bank are the lenders for currys dixons pc world and comet . And from my experience its not easu to get credit and of course if you are refused at one then you refused at all because its the same company

Comet is not part of the Currys/Dixons/PCworld outfit.

ormus

there are much better deals out there. retail store credit is very expensive.
try the high st banks etc...
or better still, save up for your new PC/TV/HIFI etc...

finbow

Just to let you know all HFC interest free options have a £25 settlement fee if settling the balance within the interest free period.

So if taking the 6 month option, as the others said there's cheaper options!