Page 1 of 2 12 LastLast
Results 1 to 20 of 25

Thread: Need help on 0% Installments payment

  1. #1
    Member
    Join Date
    Jul 2008
    Location
    Singapore, Singapore
    Posts
    96

    Default Need help on 0% Installments payment

    Hi guys,

    Asking if you come across any shops that accept CC 0% installmets payment?

    Shop like :
    MS
    AP
    CP
    John
    Lord
    etc etc ...

  2. #2

    Default Re: Need help on 0% Installments payment

    They do but you have to check with them on what cards do they accept for the installment plan.

  3. #3
    Senior Member geraldkhoo's Avatar
    Join Date
    Jun 2007
    Location
    The Tiny Red Dot
    Posts
    2,571

    Default Re: Need help on 0% Installments payment

    I've used 0% instalment with CP before...
    A picture tells a thousand words... make yours speak a million!
    My Flickr | My Blog

  4. #4
    Senior Member Anson's Avatar
    Join Date
    Jul 2006
    Location
    ansonchew.com
    Posts
    8,210

    Default Re: Need help on 0% Installments payment

    Quote Originally Posted by daftone View Post
    They do but you have to check with them on what cards do they accept for the installment plan.
    But if use credit card to pay.. sometime would be charge extra... ask for cash payment... most of the time..

  5. #5
    Member
    Join Date
    May 2004
    Location
    Thomson Road
    Posts
    67

    Default Re: Need help on 0% Installments payment

    Quote Originally Posted by Anson View Post
    But if use credit card to pay.. sometime would be charge extra... ask for cash payment... most of the time..
    save first till u have the amount, then use CC to pay. since it's a big purchase, some cards' rebate will be more than the surcharge itself. then settle the bill as soon as the bill comes. win-win

  6. #6
    Senior Member Anson's Avatar
    Join Date
    Jul 2006
    Location
    ansonchew.com
    Posts
    8,210

    Default Re: Need help on 0% Installments payment

    Quote Originally Posted by ch130176 View Post
    save first till u have the amount, then use CC to pay. since it's a big purchase, some cards' rebate will be more than the surcharge itself. then settle the bill as soon as the bill comes. win-win
    Correct me if I am wrong, but I haven't see any CC's rebate at any of the mention shops...

  7. #7
    Member
    Join Date
    May 2004
    Location
    Thomson Road
    Posts
    67

    Default Re: Need help on 0% Installments payment

    Quote Originally Posted by Anson View Post
    Correct me if I am wrong, but I haven't see any CC's rebate at any of the mention shops...
    i mean rebate given by bank, up to 5% by certain bank if spending is beyond an amount. after 2-3% surcharge, in effect u'll get 2-3% real discount on the camera. going to do that on tml.

  8. #8
    Senior Member Anson's Avatar
    Join Date
    Jul 2006
    Location
    ansonchew.com
    Posts
    8,210

    Default Re: Need help on 0% Installments payment

    Quote Originally Posted by ch130176 View Post
    i mean rebate given by bank, up to 5% by certain bank if spending is beyond an amount. after 2-3% surcharge, in effect u'll get 2-3% real discount on the camera. going to do that on tml.
    Oh okie.... abit complicated for me.... I dun think I spend so much on my cc to qualify for the 5% rebate.... Thanks for telling...

  9. #9
    Member
    Join Date
    Jul 2008
    Location
    Singapore, Singapore
    Posts
    96

    Default Re: Need help on 0% Installments payment

    so say this item cost me $1.6k. Does it include the 2% credit card charges?
    Sorry noob in CC.... first time using CC for installmets

  10. #10
    Senior Member Anson's Avatar
    Join Date
    Jul 2006
    Location
    ansonchew.com
    Posts
    8,210

    Default Re: Need help on 0% Installments payment

    Quote Originally Posted by Ericang View Post
    so say this item cost me $1.6k. Does it include the 2% credit card charges?
    Sorry noob in CC.... first time using CC for installmets
    You have to ask the shop.... coz sometime the quote you based on cash payment... some shop also calculate before adding GST....

  11. #11

    Default Re: Need help on 0% Installments payment

    Mustafa has 0% installment plans for almost all the CC.
    And their prices are already final, no CC surcharge.

    Which means if they state $1200, means that the installments will be for $1200.
    No additonal 4% for the prices or any administration fee.

  12. #12
    Senior Member Anson's Avatar
    Join Date
    Jul 2006
    Location
    ansonchew.com
    Posts
    8,210

    Default Re: Need help on 0% Installments payment

    One "bad" things about using CC's installments payment plan is that... if you are lock to a on-going plan... The CC's company would seldom give you free credit card annual fee waiver...

  13. #13

    Default Re: Need help on 0% Installments payment

    Quote Originally Posted by Anson View Post
    One "bad" things about using CC's installments payment plan is that... if you are lock to a on-going plan... The CC's company would seldom give you free credit card annual fee waiver...
    Quite true, but i rather spread out the payment if there is a 0% installment plan.
    Instead of one shot around $2000, damn heart pain man.

  14. #14
    Senior Member Anson's Avatar
    Join Date
    Jul 2006
    Location
    ansonchew.com
    Posts
    8,210

    Default Re: Need help on 0% Installments payment

    Quote Originally Posted by .Hack View Post
    Quite true, but i rather spread out the payment if there is a 0% installment plan.
    Instead of one shot around $2000, damn heart pain man.
    Dun noe leh.. for me I rather bit the bullet and spend it at one shot (if I can afford it) then to have a long draggier installment plan... 长痛不如短痛。。。

  15. #15

    Default Re: Need help on 0% Installments payment

    Quote Originally Posted by Anson View Post
    Dun noe leh.. for me I rather bit the bullet and spend it at one shot (if I can afford it) then to have a long draggier installment plan... 长痛不如短痛。。。
    Understand what you mean. But i rather have more "reserves" with me.
    Most important is must be 0% installment, and the installment amount is well within my budget.

  16. #16
    Member
    Join Date
    Dec 2008
    Location
    Singapore, Singapore
    Posts
    392

    Default Re: Need help on 0% Installments payment

    Quote Originally Posted by geraldkhoo View Post
    I've used 0% instalment with CP before...
    which bank and how many mths maximum?
    5D MKII,1000D,16-35mm f/2.8 L USMII,75-300mm,18-55mm,EF 50mm f/1.8 II,EF 85mm f/1.8 USM

  17. #17
    Member
    Join Date
    Dec 2008
    Location
    Singapore, Singapore
    Posts
    392

    Default Re: Need help on 0% Installments payment

    Quote Originally Posted by .Hack View Post
    Quite true, but i rather spread out the payment if there is a 0% installment plan.
    Instead of one shot around $2000, damn heart pain man.
    I do agree that with instalment u can go for more value and less pain. since i going to use the camera or lens for more than 2 years long term...why should i pay one shot. besides it is zero percent instalment
    5D MKII,1000D,16-35mm f/2.8 L USMII,75-300mm,18-55mm,EF 50mm f/1.8 II,EF 85mm f/1.8 USM

  18. #18

    Default Re: Need help on 0% Installments payment

    Quote Originally Posted by cqprime View Post
    which bank and how many mths maximum?
    If i not wrong i read before in the forum they accept Citibank, as for duration should be 6 to 12 months.

    Quote Originally Posted by cqprime View Post
    I do agree that with instalment u can go for more value and less pain. since i going to use the camera or lens for more than 2 years long term...why should i pay one shot. besides it is zero percent instalment
    Same mentality as me.

  19. #19

    Default Re: Need help on 0% Installments payment

    AP sls : uob , citibank
    full payment by cc : price + 2%
    installments: price + 6% / 12 mths

  20. #20

    Default Re: Need help on 0% Installments payment

    Quote Originally Posted by ch130176 View Post
    save first till u have the amount, then use CC to pay. since it's a big purchase, some cards' rebate will be more than the surcharge itself. then settle the bill as soon as the bill comes. win-win
    I am not sure if you can pay your installment in advance. I was told that there will be fees incurred if you terminate your installment plan early. I didnt verify so I cannot confirm.

Page 1 of 2 12 LastLast

Bookmarks

Posting Permissions

  • You may not post new threads
  • You may not post replies
  • You may not post attachments
  • You may not edit your posts
  •