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 How to buy iPhone 12 only with 0% interest?

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selinix
post Nov 18 2020, 01:03 PM

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QUOTE(ismetheboy @ Nov 12 2020, 05:14 PM)
with 0% interest the merchant will need to absorb the bank fees, which is why they want you to purchase something else to recover their loss. You need to understand this first.
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if a merchant need to do all these funny tricks to maximize profits, just walk out the door
nawkaz
post Nov 18 2020, 01:52 PM

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Green tick = can buy just phone only
Blue tick = need buy something else (accessories, protection plan etc.)

If want 24 months installment without buying anything else, need to have Citibank / HLB CC

This is for Switch btw.
mycolumn
post Nov 19 2020, 07:04 AM

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QUOTE(nawkaz @ Nov 18 2020, 01:52 PM)
user posted image

Green tick = can buy just phone only
Blue tick = need buy something else (accessories, protection plan etc.)

If want 24 months installment without buying anything else, need to have Citibank / HLB CC

This is for Switch btw.
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Yups, i bought my iPhone from switch using Maybank cc. What’s nice is that other than 0% instalment, they gave me a RM100 voucher for me to buy iphone’s accessories since Maybank has promo that time.
attw
post Nov 19 2020, 08:06 AM

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QUOTE(nawkaz @ Nov 18 2020, 01:52 PM)
user posted image

Green tick = can buy just phone only
Blue tick = need buy something else (accessories, protection plan etc.)

If want 24 months installment without buying anything else, need to have Citibank / HLB CC

This is for Switch btw.
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Nice sharing! Basically anything for 12 months doesn’t require PWP with all banks.
TSpublicENEMY
post Nov 20 2020, 07:14 PM

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QUOTE(ismetheboy @ Nov 12 2020, 05:14 PM)
with 0% interest the merchant will need to absorb the bank fees, which is why they want you to purchase something else to recover their loss. You need to understand this first.
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No I dont
TSpublicENEMY
post Nov 20 2020, 07:15 PM

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QUOTE(GreenSamurai @ Nov 12 2020, 11:16 PM)
If they don’t want to offer instalment then don’t offer it. If want to offer then don’t be scummy and do all these. Not like if pay cash can get the phone cheaper than paying with credit card anyway since they don’t have to pay the bank fees.
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Couldnt say it better.
TSpublicENEMY
post Nov 20 2020, 07:18 PM

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Some findings. Sen-Q provide 0% interest but with small fee for 24 months installment. The fee is quite small. Around RM90 for pro max. Unlike Harvey Norman where you have to purchase useless shop insurance for RM1000+. Still no stock though. Preorder open mid december for sen-q.
adam1190
post Nov 6 2021, 09:29 PM

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QUOTE(mycolumn @ Nov 13 2020, 05:08 PM)
Switch 1 year instalment is 0% interest.

Maybank credit card too
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Do you know if switch accept Maybank american express credit card?
mycolumn
post Nov 6 2021, 09:44 PM

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QUOTE(jianwei90 @ Nov 6 2021, 09:29 PM)
Do you know if switch accept Maybank american express credit card?
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Shud be. You can call in to your nearby Switch and ask too.
dikae
post Nov 6 2021, 11:41 PM

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QUOTE(jianwei90 @ Nov 6 2021, 09:29 PM)
Do you know if switch accept Maybank american express credit card?
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Different switch outlets may accept different cards/installment plan..try to check with a few outlets..

 

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