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Thread: Hitachi Credit

  1. #1

    Default Hitachi Credit

    Heard from a friend of hitachi credit a hire purchase company.
    Dell uses their services for hire purchase plans.
    Know of any photography merchent that deal with them?


    Cheers!
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  2. #2
    Moderator ortega's Avatar
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    Default Re: Hitachi Credit

    why do you want to pay 6% interest when you can get 0% interest free credit?

  3. #3

    Default Re: Hitachi Credit

    cause i can't get a CC so i can't get 0% interest.
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  4. #4
    Moderator ortega's Avatar
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    Default Re: Hitachi Credit

    Quote Originally Posted by SianZronG View Post
    cause i can't get a CC so i can't get 0% interest.
    where there is a will, there is a way

    Good luck!
    BTW 6% is alot you know?
    and do read the T&C if you want to go with Hitachi credit

  5. #5
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    Default Re: Hitachi Credit

    Quote Originally Posted by SianZronG View Post
    cause i can't get a CC so i can't get 0% interest.
    Aiyo ... slowly save lah ...

  6. #6

    Default Re: Hitachi Credit

    with the rent i'm paying for the use of the equipment i'm already payiong 6%
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  7. #7
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    Default Re: Hitachi Credit

    Quote Originally Posted by SianZronG View Post
    with the rent i'm paying for the use of the equipment i'm already payiong 6%
    Seriously not worth it. Rather you slowly snowball or make do with what you have to get your shots ...

  8. #8

    Default Re: Hitachi Credit

    customers dun want kit lens pictures.

    i'm actually paying more. for rental $30+ for 1 day. so i do it every other weekend. i lose $100? per month by 12 month i lose $1000? hm.... enough to buy me a NEW 17-40L cheers!
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  9. #9

    Default Re: Hitachi Credit

    Quote Originally Posted by SianZronG View Post
    customers dun want kit lens pictures.

    i'm actually paying more. for rental $30+ for 1 day. so i do it every other weekend. i lose $100? per month by 12 month i lose $1000? hm.... enough to buy me a NEW 17-40L cheers!
    must it be red ring lens?

  10. #10
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    Default Re: Hitachi Credit

    Quote Originally Posted by SianZronG View Post
    customers dun want kit lens pictures.

    i'm actually paying more. for rental $30+ for 1 day. so i do it every other weekend. i lose $100? per month by 12 month i lose $1000? hm.... enough to buy me a NEW 17-40L cheers!
    And what is wrong with kit lens pictures? The kit lens can do more than you can imagine.

    Just because of the "L" and red ring doesn't mean you get the smile from your customers. Even if you use kit lens, it needs a tab bit more work to make the picture look presentable.

    If you have issues getting brand new - then save and source for 2nd hand...

  11. #11
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    Default Re: Hitachi Credit

    Quote Originally Posted by Lenscapes View Post
    must it be red ring lens?
    That's precisely the point. I don't see what's wrong. This topic has been discussed over and over again.

  12. #12

    Default Re: Hitachi Credit

    this thread is getting off track again. so no one is using it? hm... guess i'm the only few people that actually look at this.
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  13. #13

    Default Re: Hitachi Credit

    I never used them, but I had funded them, bought portfolios from them, partner with them, and did a lot of business with them.

    That said, they are just like any other lenders. It's going to be expansive. Eventhough I am in the industry, or because I am, I never buy things on credit.
    deadpoet
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  14. #14
    Moderator ortega's Avatar
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    Default Re: Hitachi Credit

    Quote Originally Posted by SianZronG View Post
    customers dun want kit lens pictures.

    i'm actually paying more. for rental $30+ for 1 day. so i do it every other weekend. i lose $100? per month by 12 month i lose $1000? hm.... enough to buy me a NEW 17-40L cheers!
    then you are not charging enough for your work
    there is always the option of 3rd party lenses

    eg. tamron 17-50 f2.8

    for price see the "Price List - Lenses" thread

  15. #15
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    Default Re: Hitachi Credit

    Simple, no $$ then dun buy.

    I dun think many of your customers know the diff betw a consumer lens from that of a L lens.

    It is cheaper to buy some paint and paint a red ring or a lens barrel white lor. :P

    And if you are in the business, you should know all this dun really add up.

    Like wat DP said, try not to buy on credit.

  16. #16
    Senior Member creampuff's Avatar
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    Default Re: Hitachi Credit

    Technically if you're buying by hire purchase, you don't actually own the item until all payments and interest are paid up in full. Actually in the long run, you're paying much more than you actually think in interest. Either hold off that purchase until you have the money or make do with a cheaper option.

  17. #17

    Default Re: Hitachi Credit

    Unless the vendor has a 0% interest installment plan with the credit card company, you will still need to pay a 2-3% 'admin' fee if you buy equipment first then call bank and ask them to put it on the '0% interest installment plan. Some vendors such as Cathay Photo, have a 0% interest installment plan agreement with some banks. So if you pay by OCBC, Citibank, or another bank which I can't recall's credit card, there would be no diff if you paid with cash or with those selected cards on the installment plan (price-wise, I mean)
    Last edited by Gymrat76; 21st March 2007 at 02:51 PM.

  18. #18

    Default Re: Hitachi Credit

    Quote Originally Posted by ortega View Post
    where there is a will, there is a way

    Good luck!
    BTW 6% is alot you know?
    and do read the T&C if you want to go with Hitachi credit
    Ditto this. Hitachi Credit is the legal Ah Long... be careful when you sign up for their "services"... you really pay a lot more...

  19. #19

    Default Re: Hitachi Credit

    If you cannot get credit from the banks, and have to resort to crdit companies, you should not be getting credit at all.
    deadpoet
    my portfolio

  20. #20

    Default Re: Hitachi Credit

    Quote Originally Posted by Deadpoet View Post
    If you cannot get credit from the banks, and have to resort to crdit companies, you should not be getting credit at all.
    Agreed.

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