You never bought iphone is it?

You can’t nego the retail price. Can’t get cheaper by cash. The 0% instalment is literally taking the retail price and dividing it by financing tenure. Bank is making money from late/minimum payment. Guess what is the minimum payment for 0% instalment?

Orang tua kot, ingat macam zaman phone dulu beli individually from random shop kat lowyat where each shop lain lain harga.

Now semua jual ikut harga RRP provided by brand.

Latest comment only shows how stupid ppl are.

That's why I say. Dun waste your time explaining to stupid ppl.

For the iPhone example, the price is already marked up to include the interest price. Whether you pay upfront or pay by installment, you are still paying the same marked up price.

No wonder ppl say apple fanboys are retards.

My only comfort is the person making the comment is most likely someone earning a minimum wage slaving for his company.

This post has been edited by BrookLes: Oct 2 2023, 02:36 PM

If there’s no difference, why would you not take the 0% instalment?

And where do you get the “non-marked up” iphone?

u realize u can buy 0% installment not just for iphone right? Or you think all items that can be bought with 0% installment already mark up like iphone? If like that very kesian people bought laptop need to pay "mark up" retail price even though they pay by cash. Not sure who is bodo here

This post has been edited by blackamikaze: Oct 2 2023, 02:40 PM

Entah.

Kadang aku masuk dalam ni rasa makin kurang IQ aku. Nasib baik la ada juga waras.

ni quote paling bodoh setakat ni. First time i heard i phone retail price actually include interest price. top kek

Aku rasa betul la apa emino cakap tu

It's ok. You still dun get it.
You see Apple takes advantage of ppl like you who thinks there really is such a thing as zero percent payment.

No I dun buy overpriced stuff. Maybe apple sheep like you does.

Because you are too stupid to think laterally.

Actually i didnt use apple as an example, just the numbers only

Apple can get away with it because Apple is the only one that sells iOS phones, thus have a monopoly on iOS market and have stronger negotiation power.
You dont like the high price? oh yea boo hoo go buy your android yeah

whereas like for the normal electrical shops, you have more leverage on this as there are vast amount of brands

and also, i also didnt claim that asking for discount always work if the item doesnt have zero-interest installment plan, but hey, why not try it?


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the point is, bank doesnt give 0% installment for free, the cost is surely charged to retail, then its passed on to consumers

This post has been edited by viktorherald: Oct 2 2023, 02:56 PM

thats essentially the point here. Very kesian for cash users, when retails open up the market for CC users, and BNM regulate you cant discriminate against cash buyer and CC buyer with different price

It push to the scenario that cash buying a product is more and more disadvantaged, with a proceeding from the cash sales being paid to CC rewards

So, might as well go sign a CC and reap the benefits while at it

https://www.fool.com/the-ascent/research/av...0the%20business.

Another example, lets say CC charges 2% on retail, for a RM8k Iphone, it is already RM160

what makes you think that Apple would be so kind to completely disregard this charges when making the decision to price their iphones?

It is similar to why Grab Food prices are so exorbant compared to in store menu prices? It is because Grab platform charges an amount say 20% fees. No restaurant in the right will will self absorb the drop in 20% in Revenue, hence the cost is passed to grab users

This post has been edited by viktorherald: Oct 2 2023, 03:06 PM

Banks make more money out of too many financially illiterate people that keep falling to this 0% 'scam' by paying minimum every month instead of paying in full.

Simple.

u realize u are stupid right?

First of all, not all credit card can use 0% installment plan. Only certain bank can and with different tenure. Are you saying, just because certain card can buy with 0% installment, so apple increase the price to cover certain people, so even people pay with cash or debit card also need to pay more.

Also, iphone is just an example, u can buy 0% installment for almost electrical items, phones or laptop. Are u saying, all of this has mark up retail prices? So people who dont have credit card suffer because they need to pay more to cover people who can buy with 0% installment. Top kek.

Btw the CC charges u talking about is the charges that need to pay by the shop if they want to accept CC payment for at their shop. Its nothing to do with Apple dumbass.

This post has been edited by blackamikaze: Oct 2 2023, 03:22 PM

some people like pay instalment for small item.
including myself coz i normally
buy house cash.
so small small item like TV since 0% installment, why not.

wrong.

your credit card limit deducted 2.8k cause bank help you pay (2.8k minus (6~9% charges denend tenure) )to retail

Yes. That's how it works. Your credit limit will be deducted full amount at the beginning.

You just need to pay back accordingly the amount billed to your CC Statement

For 6 months installment 0% interest. Example of RM3000.

You will see statement billing like this in 6 months

first month
RM3000 CR RM3000
RM500 1/6

2nd month RM500 2/6
3rd month RM500 3/6
4th month RM500 4/6
5th month RM500 5/6
6th month RM500 6/6

1. so apple increase the price to cover certain people, so even people pay with cash or debit card also need to pay more.

Yes. Credit Card processing fees charged to Merchant are Operating cost as well.
Some merchant are maybe kind to absorb, but not a guarantee that all merchant will.

2. Are u saying, all of this has mark up retail prices? So people who dont have credit card suffer because they need to pay more to cover people who can buy with 0% installment. Top kek.

Yes, same line of thinking with above point

3. Btw the CC charges u talking about is the charges that need to pay by the shop if they want to accept CC payment for at their shop. Its nothing to do with Apple dumbass.

Yeah, that shop, the Sdn Bhd running the retail, whatever, its an example.

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Have you met some restaurant that die die say Cash / E-wallet only? (Notorious one is The Gardens Fong Lye)? This may be one of the reason that the restaurant dont want to deal with this charges.

This post has been edited by viktorherald: Oct 2 2023, 03:27 PM

suggest you to stop replying else you appear dumber by the moment