Seiko Club Singapore Museum

Shops that allow installment plans

demogoblin
Shops that allow installment plans
Hi Bros,



Know any shops here that allows installment plans? I remember City Chain does allow. What about Sincere Time, Seiko Boutique and G Factory etc?
ivan
Re: Shops that allow installment plans
Save up amd buy....

Better than instal
Trident
Re: Shops that allow installment plans
All Watches allow installment plan by credit card payment. Usually it's 12 month payment scheme. No surcharge.
balzebub71
Re: Shops that allow installment plans
All the major boutiques allow credit card instalment plans, some may be mean and offer less discount if u use instalment plans.



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Ed.YEO
Re: Shops that allow installment plans

"balzebub71"

All the major boutiques allow credit card instalment plans, some may be mean and offer less discount if u use instalment plans.

Hour Glass? Previously mentioned in HWZ before...
balzebub71
Re: Shops that allow installment plans

"Ed.YEO"

[quote="balzebub71"]All the major boutiques allow credit card instalment plans, some may be mean and offer less discount if u use instalment plans.

Hour Glass? Previously mentioned in HWZ before...[/quote]
Don't get me started on hour glass service. I am too poor to patronize them and am always treated like 2nd class customer. No buy high end boutique brand from them means their attitude is your business is 可有可无。



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demogoblin
Re: Shops that allow installment plans
Thanks for the advice Ivan :) But just checking only :p



Mustafa don't have?



Seiko Boutique not sure if have. Last time I bought my Astron from them (2 plus years ago) they don't offer so gave them cash.
demogoblin
Re: Shops that allow installment plans

"Trident"

All Watches allow installment plan by credit card payment. Usually it's 12 month payment scheme. No surcharge.


Vincent @ Tampines auntie say they don't have maybe I misinterpreted.



Bigtime considered Big lol?
chriscentro
Re: Shops that allow installment plans
I was told by my credit card company previously that we can arrange with the CC company to pay our purchases by instalments. May be TS can check with CC co.
lunarin79
Re: Shops that allow installment plans

"balzebub71"

[quote="Ed.YEO"]
Hour Glass? Previously mentioned in HWZ before...

Don't get me started on hour glass service. I am too poor to patronize them and am always treated like 2nd class customer. No buy high end boutique brand from them means their attitude is your business is 可有可无。



Sent via carrier pigeons[/quote]



hmm, Taka THG service is pretty ok ar.



Seems like you've encountered bad exp with THG? ;)
balzebub71
Re: Shops that allow installment plans

"lunarin79"

[quote="balzebub71"]
Don't get me started on hour glass service. I am too poor to patronize them and am always treated like 2nd class customer. No buy high end boutique brand from them means their attitude is your business is 可有可无。



Sent via carrier pigeons




hmm, Taka THG service is pretty ok ar.



Seems like you've encountered bad exp with THG? ;)[/quote]

Oh yes...anyway now a days their brands are beyond what I am allowed to spend on watch liao..



Oh those swipe first and arrange for instalment later got fee payable I think.



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cirdec
Re: Shops that allow installment plans
If you swipe first and arrange for installments payment with the respective CC/bank. Usually 3 -5% surcharge applies. Best is to have it charge to an installment plan from the retailer's end.



E.g.: there is more discount buying omega from Watches of Swizterland using their 2 yr installment plan. Because Omega's discount is quite controlled.



there are also smaller shop which i came across in Far East and Lucky Plaza that charges a small percentage fee (usually 3-7%) if you pay via CC.
maxxevv
Re: Shops that allow installment plans
Quite frankly, my opinion is that this is a hobby/luxury. One shouldn't "stretch" his/her finances unless its absolutely a necessity.



Or that you already have that amount of spare cash to go around but feel that you can get better returns from using that cash elsewhere for the time being. AND that you can repay that installment at any instance when called upon.



So unless that's the scenario, I wouldn't advocate installment plans for such items. Take it nice and slow, its part of the joy of hobbies. Instant gratification doesn't mean you get the most enjoyment out of such things in the long term.



Its just my opinion, no offence intended.
KKFA
Re: Shops that allow installment plans
Plus 1000!



Very sound advice.
demogoblin
Re: Shops that allow installment plans
Haha yup good advice I agree!
balzebub71
Re: Shops that allow installment plans
Good advice...But got cash I will also charge to card first just to either enjoy discount, rebate and accumulate points.....



But do remember should u apply for a loan, your monthly card repayments are taken into account when calculating your total debt ratio, even if you clear all outstanding very month



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KKFA
Re: Shops that allow installment plans
Thats very true about the total debt ratio but I guess most of us is not going to purchase a piece that will cost so much that it really affects the credit rating?



100k watches anyone? :lol:



I also agree and do just put aside the money earmarked for the watch or whatever Tv or washing machine o hifi that I put on intallment. That is unless they give me a further discount if I pay in full and in cash.
ivan
Re: Shops that allow installment plans
Sometimes i really envy pple can use credit card.



no bank wanna issue me credit card. Can only pay by cash.
KKFA
Re: Shops that allow installment plans

"ivan"

Sometimes i really envy pple can use credit card.



no bank wanna issue me credit card. Can only pay by cash.

Thats because no bank can afford that high a crefit limit to give you! ;)
ivan
Re: Shops that allow installment plans

"KKFA"

[quote="ivan"]Sometimes i really envy pple can use credit card.



no bank wanna issue me credit card. Can only pay by cash.

Thats because no bank can afford that high a crefit limit to give you! ;)[/quote]
I m very sure banks dont operate that way.

:P
demogoblin
Re: Shops that allow installment plans
Wah bro Ivan rich leh pay by cash lol :p
balzebub71
Re: Shops that allow installment plans
Ya bro Ivan is those big business man earn big money but never declare...So no cc, but cash gao gao



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KKFA
Re: Shops that allow installment plans

"ivan"

[quote="KKFA"]
Thats because no bank can afford that high a crefit limit to give you! ;)

I m very sure banks dont operate that way.

:P[/quote]
Sorry I dont have enough to go bank so dont know. Only go ah long.. :shock:

Hahaha.
ivan
Re: Shops that allow installment plans
Pls la....

U want see me scrubbing toilet bowls or not?



Scrub 1 = $1

Need to scrub many many to earn hor
KKFA
Re: Shops that allow installment plans

"ivan"

Pls la....

U want see me scrubbing toilet bowls or not?



Scrub 1 = $1

Need to scrub many many to earn hor

No lah. U scrub toilet in Exchange, then hear all inside story from fat bankers for fast inside deals then earn big big...I salute. ;)
ivan
Re: Shops that allow installment plans

"KKFA"

[quote="ivan"]Pls la....

U want see me scrubbing toilet bowls or not?



Scrub 1 = $1

Need to scrub many many to earn hor

No lah. U scrub toilet in Exchange, then hear all inside story from fat bankers for fast inside deals then earn big big...I salute. ;)[/quote]
Wow.....

I never know abt that.

Thanks!