Electronics

[Moonchilde]

Besides the fact that any iPad sold on QVC is practically guaranteed to be old technology, 16GB is almost uselessly low storage, not to mention pretty impossible/difficult to upgrade OS due to the storage. You can't do anything with that. As far as Easy Pay, not only does Apple offer payments through a credit card (which I have used to buy an iPad 3 and a full-priced iPhone 5S), it is interest-free if paid off within 12 months, and free shipping. Other places that sell iPads (Best Buy, Walmart, Target, etc.) also have cards and payment plans. That said, not everyone who might use Easy Pay would qualify for traditional credit - the elderly, for example - so I can see why that might be attractive or necessary for some. Perhaps a retiree who wants to buy a special gift for a grandchild. We don't know and I wouldn't presume to pass judgment. I just wish everyone who buys from QVC would be aware they're buying very old, fairly useless stock, unless for maybe a 6 year old.

[Lynnj]

On 10/19/2014 moonchilde said: Besides the fact that any iPad sold on QVC is practically guaranteed to be old technology, 16GB is almost uselessly low storage, not to mention pretty impossible/difficult to upgrade OS due to the storage. You can't do anything with that. As far as Easy Pay, not only does Apple offer payments through a credit card (which I have used to buy an iPad 3 and a full-priced iPhone 5S), it is interest-free if paid off within 12 months, and free shipping. Other places that sell iPads (Best Buy, Walmart, Target, etc.) also have cards and payment plans. That said, not everyone who might use Easy Pay would qualify for traditional credit - the elderly, for example - so I can see why that might be attractive or necessary for some. Perhaps a retiree who wants to buy a special gift for a grandchild. We don't know and I wouldn't presume to pass judgment. I just wish everyone who buys from QVC would be aware they're buying very old, fairly useless stock, unless for maybe a 6 year old.

I agree with everything you posted. While I understand the point you made about why some might find easy pay easier, I still don't understand why someone would want to pay more for an item just because easy pay is the only option they have. It's not like we are talking about $10 or $20 difference between Q and other places that have payments available through store credit (Apple, Best Buy, Walmart, etc), we are talking about $100 or more. If you are in a position where you might not qualify for credit, why not take $100 a month a place in an envelope at home for 6 months instead of doing the same with with an easy pay payment to the Q? In 6 months you'll have enough money to buy 2 iPads from Apple or other store, where with the Q easy pay the same money only got you 1 iPad. I say easy pay yourself instead of the Q and in the end you will end up paying less and have more.

[Moonchilde]

On 10/19/2014 Lynnj said:

On 10/19/2014 moonchilde said: Besides the fact that any iPad sold on QVC is practically guaranteed to be old technology, 16GB is almost uselessly low storage, not to mention pretty impossible/difficult to upgrade OS due to the storage. You can't do anything with that. As far as Easy Pay, not only does Apple offer payments through a credit card (which I have used to buy an iPad 3 and a full-priced iPhone 5S), it is interest-free if paid off within 12 months, and free shipping. Other places that sell iPads (Best Buy, Walmart, Target, etc.) also have cards and payment plans. That said, not everyone who might use Easy Pay would qualify for traditional credit - the elderly, for example - so I can see why that might be attractive or necessary for some. Perhaps a retiree who wants to buy a special gift for a grandchild. We don't know and I wouldn't presume to pass judgment. I just wish everyone who buys from QVC would be aware they're buying very old, fairly useless stock, unless for maybe a 6 year old.

I agree with everything you posted. While I understand the point you made about why some might find easy pay easier, I still don't understand why someone would want to pay more for an item just because easy pay is the only option they have. It's not like we are talking about $10 or $20 difference between Q and other places that have payments available through store credit (Apple, Best Buy, Walmart, etc), we are talking about $100 or more. If you are in a position where you might not qualify for credit, why not take $100 a month a place in an envelope at home for 6 months instead of doing the same with with an easy pay payment to the Q? In 6 months you'll have enough money to buy 2 iPads from Apple or other store, where with the Q easy pay the same money only got you 1 iPad. I say easy pay yourself instead of the Q and in the end you will end up paying less and have more.

Simply, I suspect, because QVC allows the purchaser to have, or gift, the item "now" vs. waiting six months to have it. It's a natural preference, and pretty necessary for birthday, graduation, Xmas gifts that need to be timely. Whatever each of our own practices and preferences are, we ARE a credit-enthusiastic society. It can be used well or poorly, but that is up to each individual and what *they* decide to do with it.

[caspie]

I like that "easy pay yourself", Lynnj! That $100 per month works out to about $25 a week, or as one host likes to say, "That's less than $4 a day"!!!

[glb613]

On 10/19/2014 JavaQueen said:

On 10/18/2014 glb613 said:

It seems like every time we try to discourage people from buying outdated technology, we are told they buy from QVC because they need EZ pay. I find it sad people can't wait until they save the money needed to buy what they want. I don't blame QVC because buyers should be better informed before buying anything.

This thing where "people can't save the money"? There are all kinds of people and EZ pays are the only way that they can do it. There will always be something else to claim your money. Some people are on a fixed income and find it easier to budget. That's their decision. I think that people should be allowed to have some things. It is too bad. We're still in a bad economy, in case you haven't noticed. People no longer have the buying power that they did in 2006. I gave some kids an older tablet. They were very happy to have it--old technology or not.

If you don't have the money to save you don't have the money to spend. I dont understand people who are willing to pay more than an item is worth. That's especially true for those who really can't afford it to begin with. Buying from QVC for EZ pay is as big of a ripoff as Rent-t o-Own.

[Lynnj]

On 10/21/2014 caspie said:

I like that "easy pay yourself", Lynnj! That $100 per month works out to about $25 a week, or as one host likes to say, "That's less than $4 a day"!!!

Lol, so true. Didn't think of it like that when I suggested it, but you are so right...and they do say it just like that.

[ExtremeOnlineShopper]

There is a website called SmartyPig.com. It is a savings/banking website. It helps you put aside money for any goal you want. We got our tablets by using it. Yes, we had to wait before we got them, but, we didn't overpay and unneeded accessories were not included to inflate the price.

[Lynnj]

On 10/21/2014 ExtremeOnlineShopper said:

There is a website called SmartyPig.com. It is a savings/banking website. It helps you put aside money for any goal you want. We got our tablets by using it. Yes, we had to wait before we got them, but, we didn't overpay and unneeded accessories were not included to inflate the price.

Interesting. Never heard of that site before. I just looked at it. It's FDIC insured, and it pays you interest like a savings account does.

[glb613]

On 10/21/2014 Lynnj said:

On 10/21/2014 ExtremeOnlineShopper said:

There is a website called SmartyPig.com. It is a savings/banking website. It helps you put aside money for any goal you want. We got our tablets by using it. Yes, we had to wait before we got them, but, we didn't overpay and unneeded accessories were not included to inflate the price.

Interesting. Never heard of that site before. I just looked at it. It's FDIC insured, and it pays you interest like a savings account does.

Why not use your own bank account? Am I missing something?

[ccassaday]

Yep if you dont have the money to save and wait then you cant,afford it. The post above about birthday gifts christmas ,gifts is rubbish. Take twenty dollars every pay day and put it in an envelope marked,gives. The you always have the cash when those times come.