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Smart Pay???

Discussion in 'Android Devices' started by itzpacmann, Dec 5, 2013.

  1. itzpacmann

    itzpacmann Well-Known Member
    Thread Starter

    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?
     



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  2. bnb25

    bnb25 Android Expert

    yes. you make monthly payments on the phone.
     
  3. itzpacmann

    itzpacmann Well-Known Member
    Thread Starter

    I just googled smartpay and read all complaints on them
     
  4. OcalaFlGuy

    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 likes this.
  5. Fuzzy13

    Fuzzy13 Extreme Android User

    Burn!
     
  6. itzpacmann

    itzpacmann Well-Known Member
    Thread Starter

    Cool answer... Now maybe something a lil more helpful?
     
  7. OcalaFlGuy

    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
     
  8. bnb25

    bnb25 Android Expert

    take a breath. everything will be ok...:rolleyes:
     
  9. OrKo

    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.
     
  10. mikedt

    mikedt 你好

    It's just a high interest rate installment plan, we call it hire purchase (HP) in the UK. Nothing unusual here, stores have been doing it for decades.
     
  11. OrKo

    OrKo Android Expert

    They're making an additional $325 on a $425 phone, that's highway robbery. In the hood we call that gettin' got.
     
  12. LoopyD

    LoopyD Android Enthusiast

    Just back up a second here.

    Do they take bad credit? Mine was ruined with astronomical medical bills after the age of 18...long hospital stay, no insurance.
     
  13. mikedt

    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 likes this.
  14. LoopyD

    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.
     
  15. mikedt

    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/
     
  16. itzpacmann

    itzpacmann Well-Known Member
    Thread Starter

    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
     
  17. PHP87

    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.
     
  18. itzpacmann

    itzpacmann Well-Known Member
    Thread Starter

    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
     

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