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Posted on November 30, 1999 by Joy Stoyle | Posted under Credit
Buy Now, Pay Later: The Quintessence Of Shopping
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There always seems to more month left over after the money runs out, doesn't it? Holiday times in particular can make 'buy now pay later' facilities not only attractive but sometimes essential. Of course there is no such thing as a free lunch and credit should be treated as any other product or service. Compare the fees and read the small print. Shopping over the Internet is now just like regular shopping in that you can get a 'buy now pay later' service. One great example is 1-800-Flowers. Com who offer cut flowers in arrangements and bunches for all occasions. A life-saver if you have left Mom's birthday to the last minute. www. 6pm.com also do the pay later option on all branded footwear. But they are becoming so successful that there is a danger that nobody will need shoes, just in-house ones. You see they offer free delivery costs on both first delivery and any returns. Their online checkout is simple and done with the fingers rather than the legs too. Even the most down to Earth products of the hardware store can be bought in the symbolic world of the Internet. Ace Hardware at www. acehardware.com are happy to take discount vouchers or coupons when you shop with them online. So you can dry-line your walls or paint your carport in reality while ordering it in the cyber world and paying for it with a promise. But use credit responsibly because it has to become real cash sooner or later. For books, DVDS and all the treasures of www. amazon.com you can give virtual 'IOU's as long as you buy stuff up to the unusual value of $199. Why not $200? Is there some unfathomable psychological explanation behind this? This doesn't even do away with need for a good FICO score either. There are some things of course that we simply cannot delay in having. Your car in safe working order for instance is one of those must have items. So if your are having a simultaneous liquidity and car crisis go to www. autoanything.com and use their pay later facility. Or how about that once or twice in a lifetime experience of the new infant showing up earlier than predicted? You've been so busy paying for and redecorating the nursery that you have to buy now pay later for diapers, bottles and formula at www. babyuniverse.com. www. brylanehome.com have everything for your home right now today and at the same time will extend you pay later credit. They also do generous free gifts and discounts on larger buys. Of course you will need a computer to shop with them and there are none better than Dell systems. You can specify what you want. They will deliver it to your home or office and give you an extended payment period that can also be interest free. That's at www. dell.com. The kids need for the latest, the newest, the coolest and the safest sports wear for the new season can be a real financial headache. But at www. dickssportinggoods.com they can ease your stress with pay later deals as long as your credit score is good too. Looking for toys or tools in a hurry? Www. etoys.com or www. kbtoys.com for the former and www. toolking.com for the latter. And other toys for older boys, or electronics as the retailers prefer to call them go to www. toshiba.com. Be sure to compare the prices and the credit fees with the multi-store www. walmart.com. All of the following online emporiums will offer pay later schemes: For outsize clothing Www. kingsizedirect.com or www. lanebryant.com. For toys try www. etoys.com or www. kbtoys.com. Music to suit every taste at www. music123.com. More home goods now but paying later with www. montgomeryward.com or www. smartbargains.com. All things bed plus credit at www. overstock.com. Remember too our furry or feathered friends at www. petco.com. And finally the cosmetic online superstore at www. yvesrocher.com. About The Author: |
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