Weekly (over) Payments Part I
"With my credit, I never thought I could get a brand new computer." Who says you have to use credit to get a brand new computer?
"Weekly payments starting at $29.99!" I just saw an awesome Dell PC (advertised at www.slickdeals.net) for just $389... and that included a 19" Wide screen LCD! Save $29.99 for 13 weeks and pay cash... I'd like to know how long you have to pay Circuit Country? One year? Two Years?
"Their flexible payment plans made it easy on my budget and my kids are getting ahead in school."
Easy on your budget? That's insane. Paying way more for something than it is worth is not easy on any one's budget!
And since when is it required that kids have a PC to get ahead in school? Teach them to not fall for garbage like this and they'll have a better chance at succeeding in life - regardless of how they do in school!
"With my new computer from Circuit Country I started my own business and now I'm my own boss." Good luck with that, buddy!
"Call now and we'll add a free color printer, a free 20" LCD and a free MP3 music player with your paid order."
"* Free promotional items will be delivered upon the first to occur: your balance is paid in full or twelve months after your first payment, without your account going into default under the terms of the Purchase Agreement. Actual items delivered may vary depending upon brand and product availability."
That says that there's at least a one year term on any of their purchases... Now, 52 weeks in a year at (starting at) $29.99 each... is at least $1559.58. Seems like there's nothing free about the "gifts" you get a year or so after you receive your PC. So, how did the guy that started his own business print any invoices during that first year? Hummmm.
Considering you can get a new dell for $389, a 20" LCD TV for about $180, a color printer for about $50 and an MP3 player for about $30; a total of $649... You're getting ripped off. Remember that the "easy payments" only start at $29.99, so they are probably higher! And from the fine print on the ad, there's a good chance that the term of loan is longer than one year!
As for the "exciting credit improvement program" that they want you to ask about... why do you need to improve your credit? So you can get more loans? They've worked so well for you so far! And I have to wonder, do they charge to enroll you?
See Weekly (over) Payments Part II for another example of this rip-off.
"Weekly payments starting at $29.99!" I just saw an awesome Dell PC (advertised at www.slickdeals.net) for just $389... and that included a 19" Wide screen LCD! Save $29.99 for 13 weeks and pay cash... I'd like to know how long you have to pay Circuit Country? One year? Two Years?
"Their flexible payment plans made it easy on my budget and my kids are getting ahead in school."
Easy on your budget? That's insane. Paying way more for something than it is worth is not easy on any one's budget!
And since when is it required that kids have a PC to get ahead in school? Teach them to not fall for garbage like this and they'll have a better chance at succeeding in life - regardless of how they do in school!
"With my new computer from Circuit Country I started my own business and now I'm my own boss." Good luck with that, buddy!
"Call now and we'll add a free color printer, a free 20" LCD and a free MP3 music player with your paid order."
"* Free promotional items will be delivered upon the first to occur: your balance is paid in full or twelve months after your first payment, without your account going into default under the terms of the Purchase Agreement. Actual items delivered may vary depending upon brand and product availability."
That says that there's at least a one year term on any of their purchases... Now, 52 weeks in a year at (starting at) $29.99 each... is at least $1559.58. Seems like there's nothing free about the "gifts" you get a year or so after you receive your PC. So, how did the guy that started his own business print any invoices during that first year? Hummmm.
Considering you can get a new dell for $389, a 20" LCD TV for about $180, a color printer for about $50 and an MP3 player for about $30; a total of $649... You're getting ripped off. Remember that the "easy payments" only start at $29.99, so they are probably higher! And from the fine print on the ad, there's a good chance that the term of loan is longer than one year!
As for the "exciting credit improvement program" that they want you to ask about... why do you need to improve your credit? So you can get more loans? They've worked so well for you so far! And I have to wonder, do they charge to enroll you?
See Weekly (over) Payments Part II for another example of this rip-off.
Labels: Debt Ads on TV, Rip Off Loans
Posted By: Jim on Saturday, September 22, 2007
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1 Comments:
"And I have to wonder, do they charge to enroll you?"
Yes-- $99
I called to try to find out exactly what
the product specs were. They wouldn't tell me until after they had collected all the personal info for the application.
I said, "You don't get that info unless I'm buying something and I AIN'T buying something unidentified!"
But I did find the specs on their website. Cheapest thing in the Dell catalog ($399) has twice the memory, twice the disk space, and more than double the CPU power.
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