6 month

Ericw2431

does anybody know anything about ebays 6 month payment method?! as many of you kno im only 15 and have a bank of america debit card....i wanted to purchase a sub that was a little bit above my price range but i would love to have it soon and thought the 6 month payment method would be nice! how do i go about doing that!?.............Please ppl dont ignore my threads im feeling left out!!...:frown:

Ericw2431

cmon why am i being ignored here?!

dorourke07

Don't start down the credit road. All it will do is cost you more money for the same thing. If you can make 6 months of payments, make those payments to yourself and get it in 6 months.

kawizx9r

dorourke07 wrote: »

Don't start down the credit road. All it will do is cost you more money for the same thing. If you can make 6 months of payments, make those payments to yourself and get it in 6 months.

+1!

It's nice to start building up credit, but don't do it over a purchase for something you don't absolutely need.

Btw, no one's ignoring your threads.....it's maybe the 4th time you've said this.

Ericw2431

they will charge me more?! and thats the thing in 6 months i will spend it on other things and if i have it and know i have to pay it i will do!,,,,,and yes 4th time i sayed this and 4th time being ignored......=/

grimmace19

Wow, try not to be offended when it takes people more than 6 minutes to respond to a thread. I can't imagine hardly anyone hear knows about the 6 month payment option from ebay. I'm on there all the time and had no idea they even offered something like that. I do agree with the others however that it might not be wise to get a sub with payments. In the time it takes you to save up for the rest maybe you will find a smokin deal on craigslist or here in the flea market that will suit you better. If not, you will have the money for what you want from ebay.

Ericw2431

here in austin craigslist might not be an option not many people have good deals here,,,,probably the rm series but thats it nothing hi-end.....and well i didnt either till i saw it today! and was wondering it might be the route to go?!

kawizx9r

Ericw2431 wrote: »

they will charge me more?! and thats the thing in 6 months i will spend it on other things and if i have it and know i have to pay it i will do!,,,,,and yes 4th time i sayed this and 4th time being ignored......=/

Don't worry, you're not being ignored.

I've posted threads and didn't get a reply til a day or two later, it happens.

And yeah, that's how 'credit' works. You pay said-item off over time, but you pay interest on it. It's how companies make their money.

Now if it were some type of interest-free layaway type plan then that's different.

Make it your personal goal to save up some money over the next 6 months to buy your sub. If you can't save enough money during that time then maybe you shouldn't buy the sub to begin with. As you get older, you'll learn that such decisions aren't smart at all financially speaking. Just a little bit of advice

dorourke07

Ericw2431 wrote: »

thats the thing in 6 months i will spend it on other things and if i have it and know i have to pay it i will do!

You are defeating your own arguement. Flip it around, if you say you can't save up for the purchase how can you beleive you can save for the payment. Won't there be something else that you could use the cash on......for other purchases to even an emerency. You are "promising" to be good next time. That's the trap people fall into. If you can learn to save, you will be so far ahead of the game it will be shocking to you.

nooshinjohn

Ericw2431 wrote: »

does anybody know anything about ebays 6 month payment method?! as many of you kno im only 15 and have a bank of america debit card....i wanted to purchase a sub that was a little bit above my price range but i would love to have it soon and thought the 6 month payment method would be nice! how do i go about doing that!?.............Please ppl dont ignore my threads im feeling left out!!...:frown:

Do not go down the credit path for a subwoofer.

Ericw2431

it claims no intrest untill after 6 months!!!is that still something i should push of my sholder?!

kawizx9r

Ericw2431 wrote: »

it claims no intrest untill after 6 months!!!is that still something i should push of my sholder?!

Don't do it, save your money as suggested multiple times.

Ericw2431

ugh..........ok wil do,,,

PSOVLSK

Ericw2431 wrote: »

here in austin craigslist might not be an option not many people have good deals here,,,,probably the rm series but thats it nothing hi-end.....and well i didnt either till i saw it today! and was wondering it might be the route to go?!

I've found one of my best deals ever on Austin craigslist. Another deal wasn't great, but it was an SVS Plus/2 sub at a very fair price. I don't know if you'd call it high end or not, but it shakes the house during movies:biggrin:

Agree with the others, don't get started on the credit cards. Been there, done that, learned my lesson.

6 months no interest means the interest accrues. If you'd pay it off in full by 6 months, you get charged all of the interest. Good deal if you make the payments. Bad deal if something comes up and you don't get it paid off.

Ericw2431

yes but very rare chance of seeing somthing like hsu or svs if you ever see polk it will be there low or older end speakers! and klipsch u see every where but im not a big fan of it!...

dorourke07

The entire point of the program is to get you to buy things you can't afford. Being in debt before you can drive is not success. Not to mention that it will besomething that could keep you from a car or fixing a car when it breaks cause you need to make a subwoofer payment. Or you can miss a payment and start to ruin your credit score early which then cost you more when you go to finance important items.......like houses.

PrazVT

Just save up Eric. When you're out of college and making the big $$, that'll be the time it's a bit safer to take advantage of these deals. Not now.

mmadden28

Your only 15 yet you have all this?

Fronts:Lsi9
center:Lsic
Onkyo tx nr 808
panasonic 50"plasma
Ps3 slim 250gb
surrounds.Fxia4
Sub....(help)
Amp:Emotiva xpa3

How did you manage to save up enough money for all of that w/o credit, but not a sub?

mmadden28

Besides, back to your original question, why don't you just look for your answers at the source? Try this link:
https://www.billmelater.com/cm/paypal/landers/ebaybmlf10dnp180d3iwK.html

Or, if as you said that you can't save up, ask your parents to front you the money (or at least what is 'just above your price range') and then pay them back.

Ericw2431

mmadden28)-the lsi9s wer 679$ new! lsic was 350$ new! onkyo tx nr 808 was around 670$ new panasonic 50" was 399$ at famsa when parents purchased a set for the living room! ps3 was a christmas gift! fxia4's where 270$ refurb...and emotiva xpa3 was around 650$ total was around 2,900 + tv stand 200$ +speaker stands 199$ total was around 3,400 for everything i started working at 14yrs old at mcdonalds and now im 15 turn 16 in june! i have made around 13,000 for a year and a half! i have no bills to pay other then cell phone bill thats how i managed to buy everything!=]..all that blood sweat and tears have paid of! and hey every penny was worth it! =].... i come from a family that only makes 55k a yr. and feed 5 kids my parents arent the richest!! so asking is not an option...i havent been working lately because i been sleeping in classes and i dont want it to get in my way of education...=/

jimmydep

Just keep saving your money!!! Right now your interested in a sub, but soon you'll need a car, maybe you'll want to go to college (which should be your priority), keep focused on whats important and concentrate on what your true needs are, not your wants. Don't go down the credit road, at least not for a sub............with the proper education you'll be able to get all the subs you want......in time.

I'm glad to see you working hard for what you already have.

Jimmy D....father of 3

Ericw2431

As for a car I have one and is what im currently woking on....nd yeah idk bout college im pretty tierd of school already but then again im young and.will mature and probably have second thought...thnks to al of yal for the support....

ratster

Ericw2431 wrote: »

yes but very rare chance of seeing somthing like hsu or svs if you ever see polk it will be there low or older end speakers! and klipsch u see every where but im not a big fan of it!...

Yeah.But,alot of that "older end" is in demand.Can you say SDA

AudioGenics

making a decision to buy on credit is yours and your parents/guardians to make
I would think a 15 year old would need someone to co-sign or legally approve.

good luck on your purchase

Pycroft

If you're really 15, ask for the subwoofer for Christmas or Hannukah, or whatever you celebrate, and get it for free! Save the money!

James

cheif pontiac

I can't see where a 15 year old would be approved for Credit, a debit card means you have the money in the account and you are spending that.

Through Pay Pal "bill me later" you can receive 6 months min. payment and defferred interest. If it is paid before 6 months the interest will not be charged. If you do not pay the amount off in 6 months you will be charged the wonderful amount of 24.95% interest from day 1. Often times electronics categories do not qualify for the 6 months and it usually needs to be an auction and not a Buy it Now.

I have used it a couple times. In one case the item came not as described an I returned it to the seller. that was nice as they just credited the account back and I was never short any money. It also allows me the opportunity to buy an amp and decide if I like it and want to keep it or re-auction it and pay the bill. I am not going to get into details on how I manage my money but I have found ways to make it work for me.

Ericw2431

Yes i swear im only 15 born:6/12/95......and nah as i mentioned before my parents aint wealthy and would probly only spend around 400$ on christmas(on me).....and i dont really like asking for anything from my parents i want everything i bought to be mine!....and yeah i tried applying for credit at bestbuy but wont let me!

kawizx9r

Shouldn't be applying for credit in the first place at your age (not like you'd be approved anyway)!

Stay away from credit, build it up LATER when you're financially stable and much smarter on the subject. I will say it's good to hear you'd prefer to buy things yourself, alot of kids your age would still be running to their parents for ipods/etc.

halo71

seen these? Not sure if they qualify as high end to you though.

Paradigm
http://austin.craigslist.org/ele/2058633072.html

Polk MicroPro 2000 $400
http://austin.craigslist.org/ele/2057924697.html

Bagend Infrasub 18 $350 (not sure about this one)
http://austin.craigslist.org/ele/2057393416.html

Martin Logan Abysis Sub Woofer - $300
http://austin.craigslist.org/ele/2046016553.html

Definitive Technology ProSub 100 - $200
http://austin.craigslist.org/ele/2043399677.html

TORI3

I agree with everybody else on this thread...saving is key, but building your credit is also important. It seems like you saved money to purchase all the rest of your gear, so why not follow that same positive pattern, instead of falling into the demise of impulse buying?

For 15 years-old, that's a pretty impressive system. When I was 15 I had Cewin Vegas 12" and a budget-friendly Onkyo with a 13" television. I thought this system was awesome! Little did I know.