itzpacmann
Well-Known Member
What is this Smart pay thing im seeing on the Metro site for the Galaxies? They let us do payments on the phones now or what?
Smart Pay???
- Thread starter itzpacmann
- Start date
-
- Tags
- lg spirit 4g
bnb25
Android Expert
yes. you make monthly payments on the phone.
itzpacmann
Well-Known Member
I just googled smartpay and read all complaints on them
OcalaFlGuy
Android Expert
I'll bet the majority are from today's current crop of societal blood sucking leaches who are whining from the disappointment of shockingly finding out that Smart Pay, unlike everything else in their lives, DOESN'T mean Some Else pays for it. THEY have to.
Bruce in Ocala, Fl
Fuzzy13
Extreme Android User
Burn!
itzpacmann
Well-Known Member
Cool answer... Now maybe something a lil more helpful?
OcalaFlGuy
Android Expert
Ok, how this?
If you think I'd EVER need a phone Bad Enough to go on the installment plan to get it, you're mistaken.
It's a phone, not a car, not a house.
Bruce in Ocala, Fl-Helpful just maybe not the flavor you had in mind
If you think I'd EVER need a phone Bad Enough to go on the installment plan to get it, you're mistaken.
It's a phone, not a car, not a house.
Bruce in Ocala, Fl-Helpful just maybe not the flavor you had in mind
bnb25
Android Expert
OrKo
Android Expert
A huge rip off is what that is. I went through half of the process just to see what was what with it, and for a total of $422 for the gsm Galaxy S3 it would cost you $126 a month for 6 months! Eff that nonsense!!! That's over $750 for a $422 phone, talk about a scam. Stay away from that garbage.
mikedt
你好
They might take people with bad credit ratings. There's similar things in the UK, where they can buy items on installments even with bad credit, but the interest rates can be extremely high. And if one defaults on payments, they can be very quick to repossess.
LoopyD
Android Enthusiast
You don't have to worry about the Interest unless you don't make a payment on time?
Hmm this seems more complicated and expensive than its worth. Knowing the types of people around here that buy these MetroPCS phones I'd say that this is not a good idea. Just an assumption.
Hmm this seems more complicated and expensive than its worth. Knowing the types of people around here that buy these MetroPCS phones I'd say that this is not a good idea. Just an assumption.
mikedt
你好
Even if you do pay the instalments on time, the interest rate is still very high, like paying a total of $750 for a $425 phone over a 6 month period. Not sure how it works in the US, but in the UK it's what's known as a chattel loan, i.e. it's secured on your personal possessions rather than a judgement based on your credit status. Perfectly legal as well, providing they're a licensed credit broker and state the terms that you sign.
There's one in the UK called Brighthouse. They sell tech products and and three piece suites and things. They offer weekly "easy terms" for people with bad credit ratings, very high interest rates of course. And I've actually seen these peeps(bailiffs) come into a house repossessing things, with a warrant. They'll just take anything they judge to be of value to the outstanding amount.
AFAICT this Smart Pay is a separate company to the carrier.
http://getsmartpay.com/
There's one in the UK called Brighthouse. They sell tech products and and three piece suites and things. They offer weekly "easy terms" for people with bad credit ratings, very high interest rates of course. And I've actually seen these peeps(bailiffs) come into a house repossessing things, with a warrant. They'll just take anything they judge to be of value to the outstanding amount.
AFAICT this Smart Pay is a separate company to the carrier.
http://getsmartpay.com/
itzpacmann
Well-Known Member
I heard a few ppl talking about Progressive financing opposed to smartpay and they stated there wad no interrst pay like smartpay. Just have 90days to pay it or something
PHP87
Android Enthusiast
Probably best to stick with a phone that is affordable to pay with cash.
I'd like to have an S-3, S-4, or even a Mega but a $400+ phone is beyond my budget or at least it's not a good bang for my buck phone.
Those devices are more like a luxury item. Do I really need one?
I got my LG Spirit from Wirefly for $229 delivered, then cashed in on the $70 MIR
I have a grandfathered $30 per month promo plan (Same as the current $40 per month plan)
Some people want the biggest and the best, the latest and the greatest, and that's how they get in over their head financially.
I just use Credit Cards for emergencies nowadays.
If I can't afford to pay cash for something, I don't buy it, or I save money until I can.
I'd like to have an S-3, S-4, or even a Mega but a $400+ phone is beyond my budget or at least it's not a good bang for my buck phone.
Those devices are more like a luxury item. Do I really need one?
I got my LG Spirit from Wirefly for $229 delivered, then cashed in on the $70 MIR
I have a grandfathered $30 per month promo plan (Same as the current $40 per month plan)
Some people want the biggest and the best, the latest and the greatest, and that's how they get in over their head financially.
I just use Credit Cards for emergencies nowadays.
If I can't afford to pay cash for something, I don't buy it, or I save money until I can.
itzpacmann
Well-Known Member
To some its not about the biggest and best, thry just want it, and this 4gb spirit isnt cutting it. If thry had a higher internal mem then id gladly stick eith it. And i dont evrn have a credit card , dont want one either lol
