Where to buy camera using installment.


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xiaolanku

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May 17, 2005
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#1
Hi guys,

Wanted to buy a d70s, went to harvey norman but they don't accept my credit card cos it wasnt issued in Spore. (I'm a foreigner).

Any suggestion of places where i can purchase camera with installments, preferbly intrest free too.

:dunno:


thanks in advance
 

solarii

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Oct 20, 2005
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Bt. Timah
#2
If I'm not mistaken Cathay Photo does offer such an option. However I'm not sure about their policies regarding foreign issued cards.

F.Y.I. Even if there's no "interest", you'll still get a lower price if you pay cash upfront. No free lunches I'm afraid.
 

blimmer

New Member
Apr 1, 2005
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#3
which bank is that? Citibank offers 0% interest free for up to 24 mths but they (Citibank sg) have to process the installment and do a background check whether you have any bad debts with other banks/institutions etc. Thats part of the reason why they dont accept foreign issued cards.
 

jfoo

Senior Member
Apr 7, 2004
1,347
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#4
if i am not mistaken, the 0% installment scheme is limited to locally issued credit cards.
 

Stoppable

Senior Member
Apr 28, 2003
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Serangoon
#5
solarii said:
If I'm not mistaken Cathay Photo does offer such an option. However I'm not sure about their policies regarding foreign issued cards.

F.Y.I. Even if there's no "interest", you'll still get a lower price if you pay cash upfront. No free lunches I'm afraid.
Cathay has such a scheme? Would they sell only at RRP if customer choses this no "interest" or is it still alittle lower?
 

solarii

New Member
Oct 20, 2005
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#7
Stoppable said:
Cathay has such a scheme? Would they sell only at RRP if customer choses this no "interest" or is it still alittle lower?
Most shops like CP with installment plans will quote you a price for cash payment, ie NETs or cash (not sure if they accept personal cheques but they count as cash as well).

If you want to pay by credit card, or choose an installment plan, they'll quote you a higher price.
 

Stoppable

Senior Member
Apr 28, 2003
545
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#8
solarii said:
Most shops like CP with installment plans will quote you a price for cash payment, ie NETs or cash (not sure if they accept personal cheques but they count as cash as well).

If you want to pay by credit card, or choose an installment plan, they'll quote you a higher price.
Just wondering how the mechanics of this 0% installment works...
If someone takes up this, and pays by installment, would the bank pay the retailer by installment by lumpsum or also by installment?
 

Jun 10, 2005
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#9
Stoppable said:
Just wondering how the mechanics of this 0% installment works...
If someone takes up this, and pays by installment, would the bank pay the retailer by installment by lumpsum or also by installment?
The bank pays the retailer the lumpsum. Hence you dun owe the retailer, you owe the bank. If you missed the payment, bank will charge you normal credit card interest and late fee. But whatever condition the bank has with the retailer, I don't know.
 

jdredd

New Member
Mar 30, 2006
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#10
ms color has installment scheme but again i think only for local issued cards... u can check with them though.
 

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