Additions - Buynowpaylater - Be Careful!

beachbeth

I have two Additions codes:

Buy now pay February 2009 - XX151 (orders over £150)
Buy now pay November 2008 - XX564 (orders over £150)

However, please be aware that with Additions this also incurs a 32.9% APR credit charge.

I have rung Additions today to confirm and they said that if I bought an item on a Buy Now Pay February I would have to pay for the item plus the credit charge in February. However, if I paid this in full in December then they would refund my credit charge - so in effect it is Buy Now pay December if you don't want to incur the charge. (You have to do this by December because they print the statement showing what is owing in January).

I presume this is also the case for the Buy Now pay November 2008.

timberflake

Its my understanding that when you use a buy now pay later through addidions you incur the credit charge when you start paying back the item? I brought an ipod using this and my statement says "First payment due April 2009". My understanding of this is that I won't incur interest until I start paying it back, are you saying that interest is being added from now until I begin to pay it back?