First off, no my RX 5700XT isn’t broken or anything, just thinking of other ways to buy GPUs
Anyways since majority of the GPUs today are either bought by miners or sold on eBay by scalpers, I thought of this option provided by PayPal,
They provide an option to use your checking account and make 4 payments on an order you want, no credit card, no credit check involved just your bank account
So on eBay you can use PayPal to buy things, however I noticed this option every time I buy something but never tried it
So, yesterday I was shopping for plants online and tried the option to do so, just to see how it works
https://cdn.discordapp.com/attachments/749338020565483613/827932880403562497/Screenshot_20210403-103746.png
https://cdn.discordapp.com/attachments/749338020565483613/827932880184672346/Screenshot_20210403-104905.png
Charges are still pending
My point isn’t about plants, I’m asking that should the GPU shortage still be going for another year or two and you had to absolutely buy a GPU from a scalper as a last resort, would you prefer PayPal’s pay in 4 payments option, to flex out the ridiculous prices scalpers do
Another option depending on one’s credit is to open a credit card account. There’s a number of cards that have promos like 0% interest for the first year and a bonus of $200 or more in the form of cash back or points for $X spent in the first 3 months. I’ve done this a few times over the years for larger planned purchases and as long as you stay on top of the bills and remember to not use the card as cash you don’t have it works well.
So essentially it’s a 90 day same as cash plan? That’s better than putting it on a credit card & racking up interest charges. But I suggest you read the fine print & find out what happens if you miss a payment, I suspect it isn’t good.
I get everything (that I can) on my Amazon card for the most part.
5% cash back, pay it off ASAP and you get freebies.
My 10900KF ended up being like $375 with my Amazon card points.
It comes out of your checking account on the day due, so as long as you have money in it you’re good
Can always tie the payments on paydays
Credit cards can harm you when you can’t control spending imo that’s how they make money, good on you managing that on time though cuz I remember you bought a bunch of stuff previous months
Yeah thats why I ended up having so many points to spend. That specific card is for points.
I do keep about $1000 debt just hanging out on other cards, though.
Yes, exactly. Its a good deal as long as you make the payments. If there’s a chance you might not be able to do that you should know what it will cost you.
I found Paypal’s website on this. As for missing the payments it only says “Late fees may apply for missed payments depending on your state of residency.” which is rather vague. I assume you get the gory details in the legalese that pops up before you click Accept.
Yeah I was about to mention that, it basically gives you a late fee and eventually screws you up because you didn’t do what you promised to do
So I’d be making sure the money is there at the time it’s due
I think it’s good for people who don’t want credit cards opened up imo
A lot of “0% financing” cards if you miss or are late on a payment will retroactively charge you a super high interest rate on the full original amount and make you pay it all.
I typically just do cash back instead - if your autopay takes a crap on you, at least the worse is you just end up paying one months worth of interest charges.
I use my discover card for gas and then pay it off ASAP just to keep credit score in check
Sometimes I’ll spend $250 on anything if necessary then pay it off
Yeah, that’s the kind of “fine print” I was worried about with this. The down side to these “same as cash” deals is they have no flexibility built into them at all; as long as you can deal with that you’re good.
It’s good to carry some debt.
I know I was editing my post again
Well I just looked it up and apparently it’s a myth, lol.
I am going to keep doing what I’m doing though >_<
The big issue is credit utilization - you don’t want to be more than 30% tapped out it seems. No danger there, so I’m good. Guess I can pay it off if I want to 
On other related credit things, I’m so ready to buy a new Honda Ridgeline truck and hopefully my good credit will give me that nice low interest rate
Hondas are good. I have two (well one and an Acura) and the 2012 Accord runs pretty much the same as when I got it in 2014 used. The Acura is doing great too, but I’m less confident it will be as low maintenance as the Accord.
Yep I know they are good it’s like I really want that truck so bad, ready to rid of my 2016 Toyota Highlander
When I saw Honda bring back the Ridgelines with their first 2017 new models, I regretted so bad buying my highlander
From everyone I talk to Toyotas are actually better than Hondas. I haven’t made the jump yet because I am biased towards Hondas since well, forever.