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selnor said:

I agree 100% that credit sucks balls.

My point to you is Microsoft are doing it in a much much better way and APR rate than any company Ive seen do this before.

Hell Apple Store near my workplace had a similar deal on a Macbook. Altough it was over 3 years. You paid $300 up front then so muc eac month. Worked out about $500 more expensive for the same product.

M$ are being very reasonable compared to competitors.

However I would have to say Id confess, if I didnt have a 360 already te way my finances are, a deal like this might be the only way I could jump in with Kinect + 360 + Live Gold + possible other paid Live features. The only way. I literally cannot afford to buy a new console even at todays fairly low prices due to commitments. I had a baby girl 7 days agao. I have 2 now.

I'm telling you that this wouldn't be the only way you could afford a $400 console. You could save for six months and more than likely afford it just fine.

If you can't afford to save like that, then you probably shouldn't sign a two year monthly fee contract and spend $99 up front in the first place.

Side note, congrats on the new daughter. Kids are fantastic little parasites. :) Love my three without bounds.