Military Computer Credit Store
Posted in the Fort Drum Forum
#1 Sep 12, 2010
www.militarycomputercreditstore.com ... 2 For 1 Special Special, Buy A Laptop And Receive A Laptop...$0 Money Down, No Payments For 60 Days. No Sales Tax, Free Shipping. Guaranteed Financing For Active Duty Military, DOD Employees, Retired Military, Military Reserves And National Guard. Bad Credit? No Credit? No Problem! We Pride Ourselves On Helping The Men And Woman Of Our Nations Military With Their Computer And Electronics Needs.
We Are The Competition Crusher… We Are So Confident That We Will Beat Our Competition We are Offering 2 For 1 Laptops And We Are Beating The Competitions Price Too.
Apply Online, www.militarycomputercreditstore.com Or Give US A Call 1-866-400-7784
Military Computer Credit Store
#2 Sep 13, 2010
So I went to your website and why would I want to finance a laptop or a washer/dryer? In the end it will cost more money than if I paid cash at Sears, Home Depot, or Best Buy?
#3 Sep 14, 2010
Great question, If you have the cash that is a great idea. IF not this is a great way to build or establish credit. Alot of military are fresh out of high school with no credit history, due to their young age. The payments are set up on allotment which makes making the payments very easy. You don't have to worry about making a payment the allotment makes it easy. And virtually fool proof to miss a payment and mess up your credit. All of our products are offered with a 2 year service contract. Which means if something happens to your product within the 2 years even after its payed off it will be replaced.
Alot of the companies you mentioned (Best Buy, Sears, Home Depot) Do not and will not offer credit to customers of this age range with no established credit. Usually not interested in customers with less than a 700 credit score. We specialize in financing military personal with no credit or bad credit. Extending Credit to customers with credit scores as low as the high 400's....
#4 Sep 15, 2010
To counter your argument, I am sure most people believe that a 18 year old fresh out of high school does not need a brand new laptop or washer/dryer. Brand new Soldiers are given housing in the barracks or on post which includes basic household items and their are computer labs all over post (I didnt buy my first computer till this year). Also this is not the best method to start your credit history. Young Soldiers, should piggy back from the parent's account as a young adult and eventually they become a full fledge card holder as they mature into their late teens/young 20s. Also the allotment option is not unique to your company. A Soldier can set up an allotment to pay off any loan/bill through their finance office. Also, the two year service contract is nice. However, before I bought my house, my wife and I rented and we had renter's insurance. And this did cover computers and similiar high-priced items.
I see the market potential for this product, but extending credit to someone in the high 400s is very risky for a business. If a Soldier or any person has low/no credit, do you feel that buying a brand new entertainment center is the right financial move? Maybe their money should be saved or invested and not spent on an implusive buy.
I feel very strongly about this because I have had Soldiers who did use companies similiar to yours and the fine print in the contract explains very high interest rates and how the rates ballon if the loan is not paid on time. If you are a Soldier who is tempted to buy a product through this method, my advice is that you dont. Simply go to your bank (USAA is a wise choice) and you can get a low limit card for 9.9%. I can assure you that this company will not give a rate of 9.9% for its target group of low/no credit history folks.
#5 Sep 18, 2010
I agree with about looking for the lowest possible interest rates. We can offer interest rates as low as 7.9% depending on credit and even lower depending on the amount of time the soldier plans on paying it off. We also offer 90 Day Same As Cash. On a few occasions we have actually given 0% interest to a few soldiers due to their situation. I agree with you about some companies and their fine print trapping soldiers in complicated financial situations. We do not do that, and we can actually provide references to past and current customers who have made purchases with us. There is no fine print, everything is in black and white with us. We do like to help soldiers going on deployment with being able to have a laptop to take with them to be able to stay in touch withq with their families and loved ones. The piggy backing idea is a nice idea, but what about the majority of soldiers who do not have that option, who should they turn to? Best Buy, Wal Mart, or Rent A Center? Most of the time they are turned down, due to age and lack of credit history. Please if you have anymore questions give me a call at the #800 provided on the website, I will be happy to go over our prices and program with you. Thank you for your time. And thank you for your military service.
Since: Jul 08
#6 Sep 19, 2010
These always turn into scams. I've already assisted in taking out that store in the mall, "Smart Buy", for the same crap. Where is that store now? Gone. The attorney general near Ft. Drum hates these types of business' who do these things to soldiers, and will do everything they can to take them out. I suggest finding some other area to harass.
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