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twesterm on 14 September 2009
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Icyedge said:
nordlead said:
Icyedge said:
If you are more than 18 and in the U.S., the sony credit card deal is way better. On sony dot com, you can fill up the form for Sony visa card and you receive 100$ off your purchase of the PS3. So its only 199$ for a brand new PS3 with free shipping directly from sony. If you cannot have a credit card I would check with a friend or parents and then pay them back. Too bad im in Canada because at this price I would purchase another one, and sell it over ebay for a quick 100$ lol.

Actually, the Sony Credit deal is way worse.

1) you have to get a credit card and get credit on said credit card, so you must keep using it for at least 3-4 months. So while you are getting $100 you have to be disiplined to actually pay off your bill every month for 4 months. (or however long it takes to get your credit and then pay spend another $100)

2) it hurts your credit score to open extra credit cards unless you never had one. I already have 2 credit cards and opening up more just makes your credit score drop. Your credit score is incredibly important unless you like throwing money away. I won't even get a credit card at a store for 20% because it hits your credit score for at least 6 months and I'm trying to buy a house so my credit score is worth way more than the $20 I might save in 1 day. Even with a car, a shift of 1% on interest will turn out to be a lot more than you are saving for that one day.

 

1) When you applied for a credit card, if your credit score is average or above, you will have at least a credit limit of 500$. So you can purchase the PS3 right after being approved for the card. The rebate is instant and will be applied as a 100$ credit off the card, the only thing you will have to do is pay the balance the month after.

 

2) Being refuse for a credit card will greatly affect your credit but not being approved. If you want to apply for a house loan and have multiple credit card you just have to cancel them prior buying the house, or the bank may ask you to cancel them if you dont have a good credit score.

 

3)I myself have 3 credit card, each of them keep offering better interest rate and trying to lure me into using them more. When I purchase my car, I didnt have anyproblem receiving a 30 K loan at 0%.

 

Hence the credit card deal is way better, for anyone having good credit score.
  1. I don't think you read the fine print-- it takes about 2 months to get the rebate.
  2. I'm not sure if being refused for a credit card hurts your credit (I've never heard of that but I've never been refused so I don't know) but opening credit cards does in fact affect your credit.  Go ask your parents, they'll tell you.
  3. I really doubt you got a 0% loan unless you had some insane collateral.  Even if that statement was true, I doubt you could get that today.

Anyone that actually knows what they are talking about will tell you that the credit card deal is not a good deal.  Something like the Dell deal is much better and you end up saving about the same amount in the long run minus the credit hit.