topic Re: Xbox All Access Financing and Citizens One Line of Credit Questions in General Credit Topics

Xbox All Access Financing and Citizens One Line of Credit Questions

ccquest — Wed, 09 Sep 2020 14:31:25 GMT

Well I was fully planning on staying in the Garden Club for a year, but Microsoft just announced details on the Xbox Series X and some improvements to Game Pass...both are included for a nice subscription price of $35 per month, for 24 months. This is done on the backend through a 0% LOC by Citizens One. The terms are here (I think).

Does anyone know if it possible to have this account persist beyond the Xbox financing term? Are there any ill effects I'm missing beyond the obvious inquiry and new account ding? To me, it looks like if you were planning on buying the console and also subscribing to Game Pass, it is a win win.

The price breakdown I'm seeing is:

- Xbox Series X $499

- Game Pass Ultimate $14.99 * 24 = $359.76

= $858.76

-Xbox All Access Financing $839.76

Not sure on how taxes are factored in for the Xbox itself under the financing plan, but saves $20 (not much, lol) and spreads it over two years at 0% which I'm always on board with.

Re: Xbox All Access Financing and Citizens One Line of Credit Questions

ccquest — Wed, 09 Sep 2020 14:45:21 GMT

To kinda give another option, apparently the Live to Ultimate conversion for $1 thing is still going on, so I could get Xbox Live Ultimate for 24 months for $95.99 by buying the two year sub at Costco for $94.99 and then converting for $1 through Microsoft.

So $500 + 96 is even cheaper and probably what I'd do.

Now just to see what Sony does for their pricing!

Re: Xbox All Access Financing and Citizens One Line of Credit Questions

Anonymous — Wed, 09 Sep 2020 18:51:24 GMT

Personally I wouldn't come out of the garden to simply buy an XBox, i would merely call up Discover and ask for a 0% promo then buy it. If that wasn't available I'd go to the next card or the next until I found one that would. If i couldn't get a 0% promo APR then I'd charge it to an Amex card an use Plan It. It's likely to be lower rate than what they're charging to finance on LOC. And I'd be earnig rewards with my Credit Card, what do you earn with All Access Financing?

Re: Xbox All Access Financing and Citizens One Line of Credit Questions

ccquest — Wed, 09 Sep 2020 19:07:27 GMT

A discount on it as I outlined up there and two years to pay it without any financing charges or prepay penalties, but the other way I put in the next post is cheaper so if I go forward with it, I'll do that way - just didn't realize that loophole still existed.

I do wish I had gotten my BCE a couple weeks later so I could have gotten the nice 20% cash back on Amazon purchases though - that would have worked nicely here!

Re: Xbox All Access Financing and Citizens One Line of Credit Questions

Dmessina666 — Wed, 09 Sep 2020 21:27:52 GMT

This is not an account that would show up on your credit reports. The only way it would is if it went into collections. It's financing thru Citizens One, just like Apples Upgrade Program. Same as getting a phone thru say T-Mobile or sprint. There's no new account, nothing reports unless you go delinquent and there's def no hard pull. They'll do a soft inquiry just like mobile carriers.

Re: Xbox All Access Financing and Citizens One Line of Credit Questions

Dmessina666 — Wed, 09 Sep 2020 21:35:05 GMT

Let me take one thing back, MIGHT BE A HARD PULL.

Re: Xbox All Access Financing and Citizens One Line of Credit Questions

ccquest — Wed, 09 Sep 2020 22:02:54 GMT

@Dmessina666 wrote:
Let me take one thing back, MIGHT BE A HARD PULL.

Yeah the wording says hard pull if you're approved which is nice, like the Apple Card but it otherwise seems like it might report.

Re: Xbox All Access Financing and Citizens One Line of Credit Questions

Dmessina666 — Wed, 09 Sep 2020 23:16:58 GMT

Yeah, might be a hard pull. But you can call citizens. Im positive it's not reporting tho.

Re: Xbox All Access Financing and Citizens One Line of Credit Questions

Anonymous — Thu, 10 Sep 2020 02:55:57 GMT

Interesting. This is a purchase I planned on making for my son this holiday season. I'd be curious to hear from anyone who has used this LOC in the past regarding your experiences with it.

Re: Xbox All Access Financing and Citizens One Line of Credit Questions

Anonymous — Thu, 10 Sep 2020 16:19:26 GMT

Well, with the prices of consoles pretty much doubling or tripling what I used to buy them for, I can see how having financing for such purchases may be needed going forward. The fact thsat it's a hidden TL is a nice bonus as it will not affect UT etc. Obviously a HP but those age off in time so no real damage here.

My only question would be it it is meant only for one transaction of if it could be used again in the future for the ext gen model? As I didn't really ready anything definitive one way or the other. That said i suppose it doesn't really matter if it doesn't show up on CR's because there's no age thing to worry about each time one is opened, on the HP.

Re: Xbox All Access Financing and Citizens One Line of Credit Questions

ccquest — Thu, 10 Sep 2020 17:24:59 GMT

That would be another factor too and why I was wondering if it would persist after the fact. I wonder if anyone out there has DPs on them using a recent HP to qualify as well either. I did my student loan refi through them in July, so if it's within 90 days I wouldn't even worry about that.

But really, with the cost difference in using the Live -> GPU conversion trick, that's the much better way to go.

Re: Xbox All Access Financing and Citizens One Line of Credit Questions

Anonymous — Fri, 11 Sep 2020 04:13:46 GMT

Considering that my last Xbox One X went and died a few months after the one year warranty was up despite not seeing heavy use, I would caution that it may be worth using a credit card with an extended warranty benefit over financing. Microsoft wanted $250 to replace it with a refurb so I went on eBay and got a new one instead for $300. First time I have ever had a console fail but as we know, Microsoft is known for failures with the RROD on the 360...

Re: Xbox All Access Financing and Citizens One Line of Credit Questions

Anonymous — Sat, 12 Sep 2020 18:11:16 GMT

I have been very fortunate on all my Xbox products, they have all lasted me several years even past the time the newest nextgens came out.

Starting with the OG console, and now currently the Halo Reach Xbone. Which is likely my very last console purchase as the games seem to be just repeating the same old thing.

Re: Xbox All Access Financing and Citizens One Line of Credit Questions

Anonymous — Sun, 13 Sep 2020 02:39:28 GMT

@Anonymous wrote:
I have been very fortunate on all my Xbox products, they have all lasted me several years even past the time the newest nextgens came out.
Starting with the OG console, and now currently the Halo Reach Xbone. Which is likely my very last console purchase as the games seem to be just repeating the same old thing.

I have had really crappy luck with the Xbox to be honest. In addition to the dead One X I've gone through 3 Xbox One controllers despite the fact I don't abuse them and I've gone through two rechargeable battery packs as well.

I had a PS4 longer than the Xboxes (I have had both the Xbox One and the One X) and both my controller that came with the PS4 and the controller that came with my PS4 Pro work perfectly and those have both been used more than the Xbox controllers have combined.

My PS4 and the PS4 I bought for the roommates to have downstairs as well as the PS4 Pro all still work perfectly fine and my roommate's kid is rough on the one downstairs. He never puts it to sleep, he has shoved it into a corner where it can't get decent ventilation, it was sitting on the floor for awhile where it no doubt picked up a lot of dust and dog hair... It's fan is very loud but it's never once overheated even when he plays one of the Souls games for 12-16 hours straight.

Re: Xbox All Access Financing and Citizens One Line of Credit Questions

NoMoreE46 — Sun, 13 Sep 2020 03:02:56 GMT

@ccquest

Thanks for letting me know of the pricing. Gonna use my Discover for this purchase at Amazon, Target or Walmart for 5% and then I get another 5% Match. Thus, I ought to get $50 total cash back on this purchase when it pays out in Feb 2021....

Re: Xbox All Access Financing and Citizens One Line of Credit Questions

coreyb80 — Wed, 16 Sep 2020 12:37:48 GMT

FYI, if you have a Dell Financial account you can you will be able to use it on the new XBOX as well as Dell is a form of accepted payment on M$. My plan is to purchase and take advantage of the 6/12 months no interest promo, if available at the time.

Xbox all access

razzy116 — Tue, 22 Sep 2020 21:50:01 GMT

Is any one doing the xbox all access payment plan and is it worth doing it. Thank you and be safe.

Re: Xbox All Access Financing and Citizens One Line of Credit Questions

razzy116 — Tue, 22 Sep 2020 22:28:31 GMT

Is any one doing the xbox all access and is it worth it?, I"m thinking about doing it.

Re: Xbox All Access Financing and Citizens One Line of Credit Questions

Remedios — Tue, 22 Sep 2020 23:28:27 GMT

@razzy116 I've merged your thread with an existing thread on the same topic.

Please utilize forum's search feature before starting threads.

Thank you

Re: Xbox All Access Financing and Citizens One Line of Credit Questions

ccquest — Wed, 23 Sep 2020 02:24:03 GMT

@razzy116 wrote:
Is any one doing the xbox all access and is it worth it?, I"m thinking about doing it.

For the Series X it comes out slightly cheaper ($20), for the Series S it is about $60.

If you have Costco membership, you can buy membership then convert to GPU like I outline here and get it even cheaper (sub $600 instead of $840) but not financed over 2 years.

FWIW I decided on the PS5 route for now and placed my order for a Digital Edition, hope it comes on time!