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PlayStation: The Credit Card Brings Debt Into 4D
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Billkwando
11/25/08

In reply to PlayStation: The Credit Card Brings Debt Into 4D
I would love to get a cheap PS3, but my currently rising APRs are about to do MASSIVE DAMAGE to my credit.

Random hikes FTL.
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Hamsfork
11/24/08

In reply to PlayStation: The Credit Card Brings Debt Into 4D
I don't know much about credit cards, but are there any cancellation fees or requirements for how long I have to keep the card? If I could buy a PS3 with this thing, pay it off, and and then cancel the card, that would be great. If I have to keep another credit card that wouldn't be so great.
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KSPRAYDADMISSESLONGNAMES
11/24/08

In reply to PlayStation: The Credit Card Brings Debt Into 4D
Why is this being spun negatively?

No fee.

No interest if paid within the year.

Double Warranty coverage.

80GB for $249 from an authorized retailer.

????
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TRT-X
11/24/08

@KSPRAYDAD (TAWKN.com): I don't see any negative spin here. Hell, I don't see any spin at all.

Yeah, they make a 4D joke, but that's about it.
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Patient
11/24/08

In reply to PlayStation: The Credit Card Brings Debt Into 4D
Hockey Tickets for you and your friends: $400

Drinks and dinner for them after the game: $120

Having your friends never call you again after seeing your Playstation Mastercard: Priceless
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bangbangblah
11/24/08

In reply to PlayStation: The Credit Card Brings Debt Into 4D
Question about the new PS3s -- I've been kinda out of the loop with what they've been doing. Are the 80 gigs currently still BC, or did they actually make that conversion. I'm seriously considering doing this deal. It's great if you can afford to pay if off right away -- then those interest rates don't mean squat.
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Gantz: Your Trusted Friend in Science.
11/24/08

@bangbangblah: They're not -completely- BC, but its software emulation. Everything thats come to mind works perfectly on the 80 gig and theres this if you have any doubts

[www.us.playstation.com]
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fuchikoma
11/24/08

In reply to PlayStation: The Credit Card Brings Debt Into 4D
My impressions are...

Those rates are absurd - then, I don't own any "real" credit cards, just a Global Payment MasterCard that draws from my chequing account so I don't know if they're comparable to other credit cards.

Well... now I know why most cards seem to be rejected by PSN.

Wonder if it'll ever be available in Canada since PSN cards still aren't. Even if they allowed it now, the PATRIOT act violates the Freedom of Information and Privacy Protection act over here.

God damn you Sony... I'm trying to like you - I love your products - and then you go and do something like this. Just start accepting freaking PayPal or stop demanding AVS on every credit card for PSN!
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Gantz: Your Trusted Friend in Science.
11/24/08

@fuchikoma: Man I'm lucky I got one of those MuchMusic Pre-Paid Credit Cards...

I never liked the idea of spending money I didn't really have yet but hated that no one online would take debit.
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fuchikoma
11/24/08

@Gantz: Your Trusted Friend in Science.:

Yeah, same here. The Global Payment card is basically a debit card with a credit card number.

Sony's been saying that prepaid cards are specifically not allowed lately though too... so be warned if yours stops working some day. There used to be an online service that would let you have a virtual credit card number, but Sony put an end to that too.

...I've never seen a company try to hard to avoid getting money.
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Gantz: Your Trusted Friend in Science.
11/24/08

@fuchikoma: o.O

Maybe I'll toss some christmas money into my PSN Wallet for future buying...
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rmcauliffe
11/24/08

In reply to PlayStation: The Credit Card Brings Debt Into 4D
Old news. I did this months ago. Still haven't seen that $150 credit. 8-12 weeks my ass.
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Gantz: Your Trusted Friend in Science.
11/24/08

@rmcauliffe: They -just- posted about this and said from now till the end of the year the offer is active.

[blog.us.playstation.com]
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TRT-X
11/24/08

In reply to PlayStation: The Credit Card Brings Debt Into 4D
So is this part of that plan Kaz talked about where people would get second jobs to buy a PS3?
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Pizookie
11/24/08

@TRT-X: Is this the part where people start pointing at you for trolling?
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TRT-X
11/24/08

@Pizookie: Go back and read my posting history. Opinionated...yes. Troll...no.

@JohnS1111: That would be the irony of the situation wouldn't it now. Sign up for XBL on it. ;)
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MakeshiftEnvy
11/24/08

@TRT-X: That was Ken not Kaz
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TRT-X
11/24/08

@MakeshiftEnvy: Oops.
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Tasunke
11/24/08

In reply to PlayStation: The Credit Card Brings Debt Into 4D
From the "Pricing and Terms" page ([www.firstusa.com] which was linked off of here: [www.sonyrewards.com]), under the "Terms and Conditions" section:

"You authorize us to allocate your payments and credits in a way that is most favorable to or convenient for us. For example, you authorize us to apply your payments and credits to balances with lower APRs (such as promotional APRs) before balances with higher APRs."

Is this kind of practice common in Credit Card terms? (I ask because I really don't know.) Seems quite unfriendly and distasteful to me.

"As described in the Cardmember Agreement, we reserve the right to change the terms of your account (including the APRs) at any time, for any reason, in addition to APR increases that may occur for failure to comply with the terms of your account."

In other words, as I read that section, "We can yank you around however we feel like, including jacking up your interest rate even when you've never been late on a payment." Also not happy.

Caveat emptor, I guess.
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Gantz: Your Trusted Friend in Science.
11/24/08

@Tasunke: Pretty sure its just a standard way to cover their ass when they need to adjust things. It doesn't necessarily mean they're going screw you the second the get the chance, sometimes they need to make adjustments that people freak out over.

From an optimistic perspective atleast.
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deathxrebirth
11/24/08

In reply to PlayStation: The Credit Card Brings Debt Into 4D
I'm guessing the $150 off would work even when you are getting the ps3 at a discounted price?

That could turn into a sweet deal if you got in on one of Dell's sales (where they had it at Dell for $329 at one point). Or even better if you got into the Amazon $200 special.

PS3 for $50 *_*
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Gantz: Your Trusted Friend in Science.
11/24/08

@deathxrebirth: @Hand_O_Death:

Not entirely, they state you can either buy it online from them directly or go to a valid store (physically I would imagine) that will honor that aswell.
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That mop mutant from NES.
11/24/08

In reply to PlayStation: The Credit Card Brings Debt Into 4D
They should test the waters with a point system built towards redeemable game purchases. It might warrant enough interest to bang out more plastics and a great incentive. The 3rd party contract might get complicated, but it will be a great way to kill cash; I mean build credit. Why not?, by the time you build enough points for a game; you would have spent enough and have a balance to eat off of the interest rate.
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Gantz: Your Trusted Friend in Science.
11/24/08

@PsycheE: Screw Airmiles, if I could earn games instead I'd be all over that.
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ArmyofJuan
11/24/08

In reply to PlayStation: The Credit Card Brings Debt Into 4D
Is that it? i was hoping for some credit towards some PS3/PSP games or maybe a dualshock 3 or headset or something.
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Gantz: Your Trusted Friend in Science.
11/24/08

@ArmyofJuan: Well, that 150 bucks could easily be divded up into exactly that.

Dualshock 3 = 50$

Decent Headset = 50$

New Game = 50$

Total = 150$
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KSPRAYDADMISSESLONGNAMES
11/24/08

@ArmyofJuan: And this card DOES have reward points that you can use towards SONY products as well as the rebate and extended warranty and zero interest.
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gunluva is prepared to drop.
11/24/08

@KSPRAYDAD (The PlayStation is $250 with a PlayStation Visa....:

No offense or nothing, but you sound like you're either a Sony plant or a Sony fanboy.
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