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Tony64 · 31 July 2017, 11:54 AM

Quote:

Originally Posted by watchmework

I much prefer getting the credit card points and then paying it off the same month!

Isn't one of the credit card perks also an extra year of warrantee?

watchmework · 31 July 2017, 12:20 PM

Quote:

Originally Posted by Tony64

Isn't one of the credit card perks also an extra year of warrantee?

Yessir, it sure is...hadn't even thought about that, brilliant!

JWE77 · 31 July 2017, 12:12 PM

The impact on your credit score is minimal if your smart about your credit health.

While I typically refuse to utilize credit for a luxury purchase that I don't have the cash for some offers do make appealing for some people to obtain a piece of their "dream".

40 months at 0%?! Spend their money and not yours up front...I could see why this is appealing.

Sent from my iPhone using Tapatalk

codecow · 31 July 2017, 12:19 PM

Borrowing money to buy frivolous luxuries seems unwise.

Fleetlord · 31 July 2017, 02:33 PM

HARD CASH

Slap it down at the AD for the best deal..

Shows you mean business and don't need to worry about silly payments..

BlackerBlue81 · 31 July 2017, 03:05 PM

I picked up a new DJ II rhodium dial a few months ago with a significant discount and 0% financing at an AD in Dallas. Impossible to say no to that situation.

AJM914 · 31 July 2017, 03:47 PM

You could always get the citibank diamond prefered card.....they offer 0%

jamesreid978 · 31 July 2017, 07:57 PM

There are a number of promotions an AD can offer you, with one being 0% and this is an option I would definately consider - but only if I had the capital available to buy it outright anyway. Would weigh it out against any discount offered for cash purchase for example 10%, compared to interest free payments over 3 years for instance. I would fancy my chances on returning more than 10% over the 3 years on the capital in funds/shares (even bearing in mind that this capital would be decreasing every month).

Bob the brush · 31 July 2017, 09:03 PM

I have only ever had credit in the form of a mortgage, which was paid off 20+ years ago, I have never had the need to have a credit card, and when talking to some friends, about 0% finance (generally,not specifically) it was the consensus that I would not be able to get the deal as my credit score would be non existent, and as such, too much of a risk to a credit provider. Do you agree that this would be the case?

mjclark32 · 1 August 2017, 12:01 AM

I don't think anyone would fault you for financing at 0%.
But, I'd rather put cash on the table and try and get a discount though.
Now, 0% and a discount... That's ideal

31 July 2017, 03:47 PM	#7
AJM914 "TRF" Member Join Date: Jan 2016 Real Name: AJ Location: NY Watch: ♕ Posts: 6,761	You could always get the citibank diamond prefered card.....they offer 0% __________________

1 August 2017, 12:01 AM	#10
mjclark32 "TRF" Member Join Date: Mar 2010 Real Name: MJC Location: PHL USA Watch: IWC, Rolex, AP Posts: 29,232	I don't think anyone would fault you for financing at 0%. But, I'd rather put cash on the table and try and get a discount though. Now, 0% and a discount... That's ideal __________________

31 July 2017, 12:12 PM	#3
JWE77 "TRF" Member Join Date: Jun 2017 Location: Southeast Watch: 16710 114060 Posts: 83	The impact on your credit score is minimal if your smart about your credit health. While I typically refuse to utilize credit for a luxury purchase that I don't have the cash for some offers do make appealing for some people to obtain a piece of their "dream". 40 months at 0%?! Spend their money and not yours up front...I could see why this is appealing. Sent from my iPhone using Tapatalk

31 July 2017, 12:19 PM	#4
codecow "TRF" Member Join Date: Feb 2013 Real Name: Louis Location: Bay Area, CA Watch: PP 5131R Posts: 5,195	Borrowing money to buy frivolous luxuries seems unwise.

31 July 2017, 02:33 PM	#5
Fleetlord 2024 Pledge Member Join Date: May 2013 Location: Vain Posts: 6,023	HARD CASH Slap it down at the AD for the best deal.. Shows you mean business and don't need to worry about silly payments..

31 July 2017, 03:05 PM	#6
BlackerBlue81 "TRF" Member Join Date: May 2014 Location: USA Posts: 50	I picked up a new DJ II rhodium dial a few months ago with a significant discount and 0% financing at an AD in Dallas. Impossible to say no to that situation.

31 July 2017, 07:57 PM	#8
jamesreid978 "TRF" Member Join Date: Apr 2016 Location: UK Posts: 70	There are a number of promotions an AD can offer you, with one being 0% and this is an option I would definately consider - but only if I had the capital available to buy it outright anyway. Would weigh it out against any discount offered for cash purchase for example 10%, compared to interest free payments over 3 years for instance. I would fancy my chances on returning more than 10% over the 3 years on the capital in funds/shares (even bearing in mind that this capital would be decreasing every month).

31 July 2017, 09:03 PM	#9
Bob the brush "TRF" Member Join Date: Feb 2017 Location: Mercia Watch: 1016 Explorer. Posts: 928	I have only ever had credit in the form of a mortgage, which was paid off 20+ years ago, I have never had the need to have a credit card, and when talking to some friends, about 0% finance (generally,not specifically) it was the consensus that I would not be able to get the deal as my credit score would be non existent, and as such, too much of a risk to a credit provider. Do you agree that this would be the case?

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