need to pay with afterpay at checkout
Microsoft® Xbox Series S $449.20 Delivered @ Microsoft eBay
need to pay with afterpay at checkout
Microsoft® Xbox Series S $449.20 Delivered @ Microsoft eBay
nice, the least wanted next gen console.
but the perfect fit for anyone using a gaming monitor
Is this the first time we've seen a new gen console at <RRP?
$300 is a lot of games.
Despite all the backlack, its significantly smaller than both the PS5 and series X, so its actually quite good as a little portable package.
Yeah cool hadn't thought of that. If only it had a handle and was purple…
Business idea right here.
@ATangk: Boom!
sad GameCube noises
@rekkore: even happier Gamecube noise - https://www.youtube.com/watch?v=MgKusH_6i-M&ab_channel=Archa…
@gizmomelb: How dare you assume I don't own a real GameCube
BEGONE THOT
@Telios: yeah.. I had a large collection of original consoles, computers and arcade boards.. sold most of them as emulation ended up being more convenient and takes up less room. Also no more re-capping motherboards and CRTs for me. For the first 2-3 decades the original hardware was better to have, not so much this past decade.
It just went OOS. Don't think it's as 'least wanted' as you think it is.
i bet a lot of people like me are going to go to their ebay store and search for a series X… unfortunately they dont have it in the store at the moment.
On the flip side, you could buy this and then enjoy an upgrade to an X in a year or so, when Microsoft revise and add dual-sense-ish controllers.
I got the Series One S (upgraded from One X) and am very happy, granted, if there was stock of the Series X, I would have bought that (or the PS5) :-D
Same boat, upgraded One X to Series S and enjoy the extra speed a lot. Only issue is 512GB. Looking to upgrade to Series X when Halo edition is hopefully released.
Is anyone like me and not buying a console until Elders Scrolls comes out? I don't have any time for games except that one.
I'm skipping elder scrolls precisely cause I don't have time lol
Yeah dude, I wouldn't have any time for games because of that one.
Pfft, i took 2 weeks off work when Skyrim launched 2 days before my birthday, spent 100+ hours completely immersed and it was one of my best gaming memories ever (and best holidays ever!).
I still reminisce about it to this day ^_^
I loved Skyrim, but on recent form it will be awful. Fallout indicates that Bethesda (a) will never update their graphics engine and (b) has completely forgotten what made their older games good.
Nice, but I'll never pay for anything with Afterpay on principle, if not because it may affect future credit checks.
Not sure if it actually affects the credit record but I refinanced a home loan recently and one of the first questions they asked me was do you use Afterpay or anything like that.
According to the other post about this promotion, you can pay in full with discounted gift cards and still enjoy this 10%/12% off.
Good stuff.
Nice, but I'll never pay for anything with Afterpay on principle
Yep. Will never touch them.
Anyone got information on whether these credit checks have any impact on your score?
From reading up on credit checks, the only point it might impact is the information on "number of checks" and "amount of credit."
It's difficult to see how a single small retail credit check would have any effect, presuming you're like most and don't have multiple large credit card accounts or defaulted payments.
It's just not a good look to a lender. Someone who is financially sensible isn't going into debt for something as frivolous as video games or a pizza.
You can try to justify it to them that you only did it to get discounts, but your starting out on the back foot.
Yeah nah. Its got nothing to do with ‘a good look’. It’s just an open line of credit, so they want it declared so it can be factored in, same as a credit card.
Lol if you think a lender is combing through bank statements making value judgments on whether you buy pizza or an Xbox.
Lol if you think a lender is combing through bank statements making value judgments on whether you buy pizza or an Xbox.
They don't need to. The mere need to use these services paints a picture that they can't pay for small purchases with savings, so why would they think this person's ready for a large amount of debt.
@PainToad: That’s not how a DSS works at all. It’s not 1953. The account is used to assess potential credit lines, nothing more. They aren’t trying to decide whether you should pay for an Xbox with cash or a credit card.
Hell, Westpac are now white labelling afterpay products as part of a strategic alliance. Big Brain move to partner with BNPLs to bring in more customers and then deny them credit on the basis that they use a BNPL.
Stop misleading people with ‘wisdom’ based on what you overheard your wife’s boyfriend’s brother’s mortgage broker say at a bbq.
@PainToad: I would disagree. My savings certainly support I can PIF and I regularly use Afterpay. I could pay my current afterpay balance a 100x over
@PainToad: Why would I pay with savings when Zip gives me 30 days of credit on top of my Credit Card 55 days free? Potential to offset 80 days of interest. Paying with savings actually costs more. Literally.
I’m paying no fees or interest. And the money I spent on groceries saves me ~$5 in interest by that money staying in my offset account for longer.
@itsme56: Bet you 99.99% of people who use these shitty services aren't doing so for this reason. Rather they can't afford their purchase and never learned to save for something first.
@PainToad: People don’t that is true, but you can’t lump everyone into the same bucket. The banks wouldn’t be taking in billions of profits if people didn’t pay interest. People abuse credit cards, personal loans. Not just BNPL.
@PainToad: Where you get 99.99% from? 1 in 10,000 people? Sounds like joelhinch uses afterpay in a similar way to me. If that was the case afterpay's business structure would not be viable. The risk of defaults would be too high
@PainToad: Gambling would look worse to potential lenders…
Afterpay is the only buy now, pay later company that doesn't do credit checks. While this is bad for some, it can be a better option than a credit card. While it won't impact your credit score,the bank might see it as monthly expenditure and impact the amount you can borrow. Some in banking should hopefully be able to confirm this.
I manage my afterpay well but where I'd be concerned for others is my maximum credit increased from $1000 to now over $3000. That is a ridiculous amount to give some people.
Hangon that's not true. I opened up a Zip Pay account which didn't involve a credit check and i've been using it for some time. That's also buy now, pay later.
Also the same with Klarna it didn't involve a credit check. I use Klarna buying from Kogan some times. Klarna is also pay over four fortnightly repayments.
So your comment by claiming that Afterpay is the only buy now, pay later which doesn't involve a credit check is simply false. There's a bunch of other companies other than Afterpay which don't do a credit check.
@hollykryten: Klarna definitely do. It's in their FAQs. https://www.klarna.com/au/customer-service/csc/about-klarna/
Zip do too but may depend on the limit applied for. https://zip.co/hc/en-us/articles/360001587755-Can-I-apply-fo…
@4agte: Well it says they may perform a credit check. That's not the same as we will. I certainly wasn't subject to a credit check when i opened my Klarna account.
@hollykryten: How do you know they didn't do a credit check?
@Jackson: Because i hadn't fallen under this situation. It's in the FAQ.
"We will perform a credit check when:
Purchasing with a ‘One time card’ for the first time. At check out from a partnered merchant. When making a new purchase, if your account has been inactive for more than 90 days. "
https://www.klarna.com/au/customer-service/csc/about-klarna/
They don't perform a credit check when you open the account.
@hollykryten: Klarna performs a credit check when you first create a one-time card in the shopping app or the first time you pay a seller with Klarna through their site
Also….
We will perform a credit check when:
Purchasing with a ‘One time card’ for the first time.
At check out from a partnered merchant.
When making a new purchase, if your account has been inactive for more than 90 days.
Bank employee here and can confirm this is a silly comment. They don't look at this in that way at all. It's purely to ascertain how much debt you currently hold, which assists in working out how much the are able to lend you. You will not be denied a loan because you had Afterpay payments coming out of your bank account, nor will it impact your credit rating. What impacts your credit rating is borrowing and not paying back your debt. What impacts your ability to lend more is how much debt you hold, even if you have a 100k credit card, which has not been used, its still considered 100k worth of debt…
even if you have a 100k credit card, which has not been used, its still considered 100k worth of debt…
Thanks for confirming this. Will help me next year when I apply for a home loan. I maintain a small credit card and use AfterPay for items I already budgeted for. If I haven't budgeted for it, I just miss out.
Good way to do it, I do the same thing. If you're smart about using buy now pay later apps, they can be great. When you're going through your loan process, its always worthwhile to ask your banker what your borrowing capacity is without your credit card. For example, if you proposed to close a 15k card, you would be suprised how much more borrowing capacity that would allow for. Generally, around 2-5k is a good credit card size to have if looking to take out a large loan.
It's much better than previous gen. The extra cpu will let it run more games with 60fps if dev optimise for it. Plus, ssd and quick resume.
X indeed is a nice deal, but from parts per value, this is way higher, and much more capable than you're saying it is.
Well it is much better specs wise but the graphics aren't much more appealing.
Back in 1993 when a character had three polygons for a nose it was a big deal, in 1996, to go upto 12.
Now days going from 1000 polygons for a nose to 3000 say, its far less of an improvement as far as the human eye can tell. The same with new effects generally.
While it's true that we're past the point where diminishing return had started to apply, being able to do 60fps consistent is a huge deal. Like, you will never go back deal. 30 vs 60 isn't a matter of the game being more responsive, but rather that they feel like different games.
$750 version
Not everyone wants to spend that much on video games.
Said the owner's of the original PlayStation in 95' ($799 rrp)
…🤔
I don't have an after pay, and I don't have my licence on me rn. Hope this stays up for a few hours. Been wanting one for a while now.
User name checks out
T_T.
It may be just particular banks. When I did my refinance they didn't ask the question. BNPL or at least Afterpay doesn't do full credit check that's why they are so "flexible" and "quick". However some banks still consider them as "liability" so they include this in calculating your borrowing power. Since the amount you can "loan" is not extensive, I would say the impact isn't that great. Just my 2c.
You have credit, it affects your ability to borrow. Max in these is like 1.5k anyway so not a big deal
So tempted, but concerned that some games only run on internal SSD, and Series S only has something like 384gb effective internal storage…
Unlike PS5 games you can move them to external storage and move it back if you want to play, you will just be warned if you can't play it and if it needs to be on SSD.
The series s is a good option for a second household console using family sharing. Buy 1 digital game and the ability to play concurrently on 2 consoles
Exactly what I'm doing in a double storey too.
Easily move the S around where I need. Even better to avoid upstairs in Summer too.
Excellent, only 5 available.
and someone bought 2…..
Was more then 10 available when posted, looks like they canceled the listing
Was thinking of getting one to keep at work, sure would beat watching depressing news and dross available on camp tv.!
As expected, Series S prices are dropping quickly. This machine would be so much more appealing at a A$300 price tag. Even a discounted A$450 is still way too high for what is a console that is struggling with 1080p@60Hz.
$50 would be even more appealing. Prices aren't dropping at all. This is an Afterpay eBay promotion. Has nothing to do with Microsoft's current pricing structure.
As expected, you are just another armchair analyst with no idea.
damn, nice.