Looking to get 3 new rods , the rods I'd like I can not really afford to pay out right for them at the moment, so do any of you guys no anywhere thay I can do a pay monthly on a new at of 3 rods , can put down a half decent deposit
In reply to Post #1
Personally I'd suggest better to save for them first and then buy, saves any possible problems with credit or debt etc.
Lecture over, there is normally PayPal credit options or Klarna I think on lots of tackle sites for expensive stuff
Personally I'd suggest better to save for them first and then buy, saves any possible problems with credit or debt etc.
Lecture over, there is normally PayPal credit options or Klarna I think on lots of tackle sites for expensive stuff
Or buy from a rod builder. They usually take a deposit, then you pay the rest when they are ready. Most of the well known guys have an 8-12 week wait between.
In reply to Post #1
Anyone remember when tackleshops used to do cheque spread. No credit agreement needed. Just a promise to pay monthly for the items you bought. ( I believe cheque's were guaranteed by the banks up to a certain amount )
As mentioned you've got the pay monthly option with PayPal or Klarna and no doubt a few others. These are normally over three to four months.
I know shops like the Tacklebox in Dartford do Credit.
Anyone remember when tackleshops used to do cheque spread. No credit agreement needed. Just a promise to pay monthly for the items you bought. ( I believe cheque's were guaranteed by the banks up to a certain amount )
As mentioned you've got the pay monthly option with PayPal or Klarna and no doubt a few others. These are normally over three to four months.
I know shops like the Tacklebox in Dartford do Credit.
In reply to Post #1
The TackleBox offer 0% orders over £280.
The TackleBox offer 0% orders over £280.
In reply to Post #1
Dont do it bro save up
Dont do it bro save up
Johnson Ross tackle do as well as the tackle box do
In reply to Post #4
Quote... As mentioned you've got the pay monthly option with PayPal or Klarna
Our entire website payment system was always run by PayPal. For the last few years, they have contacted me once a week, every single week, trying to get me to add that poxy monthly credit options to our cart. Literally 100's of phonecalls/emails. In the end they were offering to do the work on the website for us free & reduce our overall fees to boot! Desperate to give people credit (increase spending).
I always flatly refused & ignored them. It cost me a lot of money over the last few years. I never cared. I am bang against credit. I've never had a credit card in my life. I get offered them constantly. I am a great believer in the fact that if you don't have the money, you don't buy it. That's for me personally. That was for my website that I controlled, I would never like to think of peeps getting in debt over our hook baits. I don't control other people and would not want too. Everyone loves a bit of credit. I hate it. I'm a cash man & will always be that way. It's stood me very well in my life. These days I get PayPal offering to lend me £100-250K with stupidly low interest rates, basically a one off charge. I still would never take it. I'm a cash man & will always be that way. It's stood me very well in my life not ever owing anyone bugger all.
But my personal opinions regarding myself do not mean anything in regards to other people. Everyone else loves a bit of credit. That's their personal choice.
Quote... As mentioned you've got the pay monthly option with PayPal or Klarna
Our entire website payment system was always run by PayPal. For the last few years, they have contacted me once a week, every single week, trying to get me to add that poxy monthly credit options to our cart. Literally 100's of phonecalls/emails. In the end they were offering to do the work on the website for us free & reduce our overall fees to boot! Desperate to give people credit (increase spending).
I always flatly refused & ignored them. It cost me a lot of money over the last few years. I never cared. I am bang against credit. I've never had a credit card in my life. I get offered them constantly. I am a great believer in the fact that if you don't have the money, you don't buy it. That's for me personally. That was for my website that I controlled, I would never like to think of peeps getting in debt over our hook baits. I don't control other people and would not want too. Everyone loves a bit of credit. I hate it. I'm a cash man & will always be that way. It's stood me very well in my life. These days I get PayPal offering to lend me £100-250K with stupidly low interest rates, basically a one off charge. I still would never take it. I'm a cash man & will always be that way. It's stood me very well in my life not ever owing anyone bugger all.
But my personal opinions regarding myself do not mean anything in regards to other people. Everyone else loves a bit of credit. That's their personal choice.
In reply to Post #8
Agree with that. Always avoid credit when you can.
Lots of great second hand rods available and they will still do you a turn.
You can get a set of torrix for £300, whats not to like.
Set of acceptable budget rods for £100 second hand.
Agree with that. Always avoid credit when you can.
Lots of great second hand rods available and they will still do you a turn.
You can get a set of torrix for £300, whats not to like.
Set of acceptable budget rods for £100 second hand.
In reply to Post #8
"I'm a cash man & will always be that way. It's stood me very well in my life. These days I get PayPal offering to lend me ¿½100-250K with stupidly low interest rates, basically a one off charge. I still would never take it. I'm a cash man & will always be that way"
Very modest of you to say so TC.
"I'm a cash man & will always be that way. It's stood me very well in my life. These days I get PayPal offering to lend me ¿½100-250K with stupidly low interest rates, basically a one off charge. I still would never take it. I'm a cash man & will always be that way"
Very modest of you to say so TC.
In reply to Post #8
If you did pay in three I'd have at least 2 of everything
I use pay in three to get some spenny stuff - reels most recently, I have a budget that I know I can afford monthly and don't over stretch.
Like people have said, if you don't need finance don't use it, but if you can use it wisely then new shiny things can be had sooner.
As for the OP's question, where ever you have found your rods they probably do some kind of finance.
@Kells, yes my first beach caster and multiplier reel from Tony's tackle was by prepaid cheques, just the same but different
If you did pay in three I'd have at least 2 of everything
I use pay in three to get some spenny stuff - reels most recently, I have a budget that I know I can afford monthly and don't over stretch.
Like people have said, if you don't need finance don't use it, but if you can use it wisely then new shiny things can be had sooner.
As for the OP's question, where ever you have found your rods they probably do some kind of finance.
@Kells, yes my first beach caster and multiplier reel from Tony's tackle was by prepaid cheques, just the same but different
Agree with below once I paid my credit card off £6000 in 2016 I never used it again and in fact the credit card company deleted it.
Got a debit card which I use or cash
Got a debit card which I use or cash
In reply to Post #4
In my local tackle shop you can still haggle the price.
Imagine trying to talk down the cost of your weekly at the checkout in Tesco..
Sadly, these types of establishments are a dying breed now.. Probably for that exact reason.
In my local tackle shop you can still haggle the price.
Imagine trying to talk down the cost of your weekly at the checkout in Tesco..
Sadly, these types of establishments are a dying breed now.. Probably for that exact reason.
In reply to Post #11
The old post dated cheque spread. Was usually only available to regulars. People they new who weren't liable to do them over. People wanted to carry on using the shops
Didn't want the embarrassment of bounced cheques. But no doubt a few were caught out.
It seems there more and more company's out there offering these pay in three options. As people just havnt got the disposable income like they used to. And this is just another way the financial markets are encouraging people to spend..
The old post dated cheque spread. Was usually only available to regulars. People they new who weren't liable to do them over. People wanted to carry on using the shops
Didn't want the embarrassment of bounced cheques. But no doubt a few were caught out.
It seems there more and more company's out there offering these pay in three options. As people just havnt got the disposable income like they used to. And this is just another way the financial markets are encouraging people to spend..
I also stand by the old moral.."never a borrower or a lender be"
If I cant afford it I'll save. Chances are by the time you've saved some other unexpected expense will crop up like a car repair and you'll be glad you're not stretched and looking to finance that too.
As others have said the 2nd hand market is awash with perfectly good rods at a fraction of what they cost originally. If the rods you're looking at are a fairly new model/spec give it a few months and tackle tavern will have a set in the pre-loved.
If I cant afford it I'll save. Chances are by the time you've saved some other unexpected expense will crop up like a car repair and you'll be glad you're not stretched and looking to finance that too.
As others have said the 2nd hand market is awash with perfectly good rods at a fraction of what they cost originally. If the rods you're looking at are a fairly new model/spec give it a few months and tackle tavern will have a set in the pre-loved.
0% credit card and get whatever rods you want, work out the payment you want to make each month. Set up direct debit, making sure rods are paid before the end of the 0% period. Buy rods cut up card so you won't use it again and then cancel it once you've paid it off.
People don't like credit, but used right 0% credit cards are the cheapest way to borrow money. I put a lot of my extension through them (builders wanted labour only) to avoid adding to the mortgage and adding interest to the amount.
People don't like credit, but used right 0% credit cards are the cheapest way to borrow money. I put a lot of my extension through them (builders wanted labour only) to avoid adding to the mortgage and adding interest to the amount.
In reply to Post #16
0% credit card and get whatever rods you want, work out the payment you want to make each month. Set up direct debit, making sure rods are paid before the end of the 0% period.
If you can't find a term that suits at 0% you could always move the balance at the end of the term to another 0% card but usually you'll have a 3% or so fee to do so. Just stick to a repayment that suits and don't keep extending...*
* naturally you're a grown up and they're your choices
0% credit card and get whatever rods you want, work out the payment you want to make each month. Set up direct debit, making sure rods are paid before the end of the 0% period.
If you can't find a term that suits at 0% you could always move the balance at the end of the term to another 0% card but usually you'll have a 3% or so fee to do so. Just stick to a repayment that suits and don't keep extending...*
* naturally you're a grown up and they're your choices
In reply to Post #1
Aside from most of the other comments giving you financial advice as I presume you're a grown adult who is capable of choosing how and when they spend their own money...
The V12 retail company the Tackle Box use are excellent and so easy to use. Basically set it up during purchase and then forget about it as I've had zero dramas during the 6 or 12 month period. Their customer service department is superb and it comes with the SAH branding guarantee.
Aside from most of the other comments giving you financial advice as I presume you're a grown adult who is capable of choosing how and when they spend their own money...
The V12 retail company the Tackle Box use are excellent and so easy to use. Basically set it up during purchase and then forget about it as I've had zero dramas during the 6 or 12 month period. Their customer service department is superb and it comes with the SAH branding guarantee.
In reply to Post #4
Lol, i do.
My first ever big tackle overhaul was done by cheque spread in the early 2000's - wrote 10 pre-dated cheques that the shop owner I knew kept under the till drawer and he cashed them in each month.
That was an awesome time - full set of rods, marker, spod, bivvy, bedchair etc. It was the ******** to have all that in one go still being pretty young
Lol, i do.
My first ever big tackle overhaul was done by cheque spread in the early 2000's - wrote 10 pre-dated cheques that the shop owner I knew kept under the till drawer and he cashed them in each month.
That was an awesome time - full set of rods, marker, spod, bivvy, bedchair etc. It was the ******** to have all that in one go still being pretty young
In reply to Post #14
Blimey Bennetts did cheque spread
Blimey Bennetts did cheque spread
I recentlty came across stoozing
LINKY POO™ https://share.google/aimode/L41XRRAGdy0lN0fGC
I had a £5600 bill come in. Rather than paying it off all at once I took out a Barclaycard with interest free transfers in.
No fee to transfer in and I'm paying over 14 months with the minimum amount each month.
At the end of 14 months there will be a sizeable amount to pay but that amount will have gained 14 months interest
LINKY POO™ https://share.google/aimode/SXTj6OxYvrbPLn7PG
LINKY POO™ https://share.google/aimode/L41XRRAGdy0lN0fGC
I had a £5600 bill come in. Rather than paying it off all at once I took out a Barclaycard with interest free transfers in.
No fee to transfer in and I'm paying over 14 months with the minimum amount each month.
At the end of 14 months there will be a sizeable amount to pay but that amount will have gained 14 months interest
LINKY POO™ https://share.google/aimode/SXTj6OxYvrbPLn7PG
In reply to Post #1
Def worth getting an 0% interest free credit deal . . .why lose your capital when you can pay it back in instalments over a fixed time period without penalty? Credit cards are the same - as long as you pay them on their due date they can actually be advantageous (cash back / air miles / loyalty points etc) . . .some interest free purchase cards are up to 36 months which can be handy when buying a big ticker item and can save significant £ in interest payments. . .also helps your credit rating . . .as long as you don't default!
Def worth getting an 0% interest free credit deal . . .why lose your capital when you can pay it back in instalments over a fixed time period without penalty? Credit cards are the same - as long as you pay them on their due date they can actually be advantageous (cash back / air miles / loyalty points etc) . . .some interest free purchase cards are up to 36 months which can be handy when buying a big ticker item and can save significant £ in interest payments. . .also helps your credit rating . . .as long as you don't default!
In reply to Post #1
Most places do credit, you can get interest free with Klarna tho
Most places do credit, you can get interest free with Klarna tho
In reply to Post #8
Always best to put bigger purchases on a credit card even if you have the money as covered by section 75 if it goes tits up. Your not covered with the same protection with a debit card and no protection at all with cash. Ive just paid our disney hol off this morning on my credit card even though i have the money in the bank as it comes with the added protection and will now clear the ballance with money in the bank so no debt accrued and im covered if something goes wrong.
Always best to put bigger purchases on a credit card even if you have the money as covered by section 75 if it goes tits up. Your not covered with the same protection with a debit card and no protection at all with cash. Ive just paid our disney hol off this morning on my credit card even though i have the money in the bank as it comes with the added protection and will now clear the ballance with money in the bank so no debt accrued and im covered if something goes wrong.
In reply to Post #10
Quote... Very modest of you to say so TC
Forgive me I have some hardcore trolls these days from this forum, who in reality know absolutely zero about me or mine whatsoever, just soppy internet gimps. You have to make these Joey's gurn, just that little bit more, you know.
I have no aversions to anyone doing whatever they want. I just like to deal in dollar, up front personally. That's all. We are all different, that's what makes the world a great place.
Paying up front, you can often negotiate much better deals. I have just recently paid off three long term leases, up front in full instead of paying monthly. Two commercial, one private. I have saved my self an absolute fortune by doing so. So much money saved. Cash up front is still king for value if possible.
Quote... Very modest of you to say so TC
Forgive me
I have some hardcore trolls these days from this forum, who in reality know absolutely zero about me or mine whatsoever, just soppy internet gimps. You have to make these Joey's gurn, just that little bit more, you know. I have no aversions to anyone doing whatever they want. I just like to deal in dollar, up front personally. That's all. We are all different, that's what makes the world a great place.
Paying up front, you can often negotiate much better deals. I have just recently paid off three long term leases, up front in full instead of paying monthly. Two commercial, one private. I have saved my self an absolute fortune by doing so. So much money saved. Cash up front is still king for value if possible.
In reply to Post #25
The way the country is going down the ****ter there wont be any cash left as they are trying their hardest to get rid of cash altogether.
The way the country is going down the ****ter there wont be any cash left as they are trying their hardest to get rid of cash altogether.
In reply to Post #26
When I say cash Stuart, I include debit card in that. Really what I mean is instant payment, worded it wrong really.
I barely use cash myself anymore, apart from abroad where cash is still king in a lot of instances. Everything is online or an app in reality these days. Our PayPal business account provides multiple business debit cards (MasterCard). 0% on foreign purchases or cash withdrawals abroad. I tend not to use my high street UK bank accounts for much anymore, apart from keeping wonga in. Everything really is done on the PayPal business card. They give you the exact same protection as a credit card, but it's a debit card.
When I say cash Stuart, I include debit card in that. Really what I mean is instant payment, worded it wrong really.
I barely use cash myself anymore, apart from abroad where cash is still king in a lot of instances. Everything is online or an app in reality these days. Our PayPal business account provides multiple business debit cards (MasterCard). 0% on foreign purchases or cash withdrawals abroad. I tend not to use my high street UK bank accounts for much anymore, apart from keeping wonga in. Everything really is done on the PayPal business card. They give you the exact same protection as a credit card, but it's a debit card.
In reply to Post #27
👍🏻
👍🏻
This message has been suppressed by a moderator.
This message has been suppressed by a moderator.
In reply to Post #26
Completely agree with you. The new Digital worldwide currancy is looming and will be with us before we know it. No more tooth fairy, Boot fairs, birthday money and cash in hand work. I can't imagine a world without cash. It will such a difficult adjustment if we go to the same credit score system as China. Apologies for going slightly off topic.
Completely agree with you. The new Digital worldwide currancy is looming and will be with us before we know it. No more tooth fairy, Boot fairs, birthday money and cash in hand work. I can't imagine a world without cash. It will such a difficult adjustment if we go to the same credit score system as China. Apologies for going slightly off topic.
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