Geolink

macrumors member
Original poster
Apr 28, 2012
65
0
New York
Just flipping through channels a few days ago and rarely do I watch HSN but I noticed that they selling iPad 2's for $699.99... I don't remember the GB's but it was probably the lowest.

In my mind I'm like (wait) didn't the new iPad come out not too long ago?

Keep in mind maybe older people who don't know how to use the Internet still watches the channel (ahem older folks) and probably like the device and buy an old product for $699.99...

Kind of weird...
 

Rodster

macrumors 68040
May 15, 2007
3,177
6
Just flipping through channels a few days ago and rarely do I watch HSN but I noticed that they selling iPad 2's for $699.99... I don't remember the GB's but it was probably the lowest.

In my mind I'm like (wait) didn't the new iPad come out not too long ago?

Keep in mind maybe older people who don't know how to use the Internet still watches the channel (ahem older folks) and probably like the device and buy an old product for $699.99...

Kind of weird...

Let's fast forward to July 2012. We are on the iPad 3rd Generation. ;)

Those prices are a ripoff because you can buy a current generation iPad for that price.
 

bufffilm

Suspended
May 3, 2011
4,227
2,536
That's the reason for CC's. :)

not exactly. if you make partial payments against the CC bill, you're paying a hefty interest surcharge on the unpaid balance. buying an ipad from HSN and QVC and you're paying zero interest on the monthly installments.

both HSN and QVC readily admit that you can buy the ipad from apple or other retailers at a total lower price than what you're paying if you buy it thru them. they both play up the 5-6 payment option and the 'one-stop' shopping of getting the common accessories thru them.

the latter is a dubious benefit since the accessories they bundle are largely of mediocre quality and i would never recommend that you buy an ipad if you don't have the money up-front to cover the MSRP.
 

BFizzzle

macrumors 68020
May 31, 2010
2,443
0
Austin TX
not exactly. if you make partial payments against the CC bill, you're paying a hefty interest surcharge on the unpaid balance. buying an ipad from HSN and QVC and you're paying zero interest on the monthly installments.

both HSN and QVC readily admit that you can buy the ipad from apple or other retailers at a total lower price than what you're paying if you buy it thru them. they both play up the 5-6 payment option and the 'one-stop' shopping of getting the common accessories thru them.

the latter is a dubious benefit since the accessories they bundle are largely of mediocre quality and i would never recommend that you buy an ipad if you don't have the money up-front to cover the MSRP.


welll.. depends on your cc rates/how long you take to pay it. and how much of the principle you can pay that first month.

hsn and qvc only does 3 payments, anything over is through their CC.

ipad 2 16gb wifi new $399
10 piece accessory kit, $10.97
http://www.amazon.com/Piece-Accessory-White-Capacitive-Stylus/dp/B005OZXM88

its missing the mini speak ball, another $10-20 bucks for one on amazon.

so $465 or so with tax and shipping for all of that.


hsn, $747 with tax and shipping......
so no not interest free like you suggest. Its not accumulating interest, but you are being charged more because its a "one stop shop" and the no credit 3 payment option.

if you split it over 3 months like hsn does, on a CC with %15 rate, youd pay about $138 in interest. So about $145 less than if you did 3 payments with HSN

*edit i did my tax based on Texas's 8.25%
 
Last edited:

Geolink

macrumors member
Original poster
Apr 28, 2012
65
0
New York
Let's fast forward to July 2012. We are on the iPad 3rd Generation. ;)

Those prices are a ripoff because you can buy a current generation iPad for that price.

That's what I was saying. What a ripoff... That channel always rips people off.
 

BFizzzle

macrumors 68020
May 31, 2010
2,443
0
Austin TX
That's what I was saying. What a ripoff... That channel always rips people off.

yup, i think they prime for customers who cant afford one in cash, and cant qualify for a CC.

they are one of the few business that offer them (and other products) with a payment option with out a credit check.

kinda like rent-to-owning something.
 

Rodster

macrumors 68040
May 15, 2007
3,177
6
not exactly. if you make partial payments against the CC bill, you're paying a hefty interest surcharge on the unpaid balance. buying an ipad from HSN and QVC and you're paying zero interest on the monthly installments.

both HSN and QVC readily admit that you can buy the ipad from apple or other retailers at a total lower price than what you're paying if you buy it thru them. they both play up the 5-6 payment option and the 'one-stop' shopping of getting the common accessories thru them.

the latter is a dubious benefit since the accessories they bundle are largely of mediocre quality and i would never recommend that you buy an ipad if you don't have the money up-front to cover the MSRP.

Or you could take advantage of CC's that offer 0% introductory rates usually for 12 months. I get those all the time, in fact I received one of those offers today. ;)

----------

yup, i think they prime for customers who cant afford one in cash, and cant qualify for a CC.

they are one of the few business that offer them (and other products) with a payment option with out a credit check.

kinda like rent-to-owning something.

Yup you nailed it. That's why I don't deal with those companies.

Hell if you have good credit APPLE will let you make payments with NO interest. :cool:
 
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