zelosravioli
New member
My 5 year old laptop is dying and I'm looking at getting a decent (gaming) laptop as my Uni work involves me traveling around a lot and I'd like to be able to game during my downtime and let it run analyses while I'm working but I don't want to spend a large chunk of money at once as I like to have some money in the bank in case for emergencies.
I decided to go to JBHifi as there's no PBTech in Dunedin and I am leaving again next week and won't be back or have any free time to do shopping until late November so I wanted something by the end of the week. JB only has Humm and Q Mastercard as options for financing and I only have laybuy although I've never actually used it. I tried to apply for Humm as there was a deal (that ends today) at JBHifi for this decent ASUS laptop and it declined my registration twice. I thought it was because I typed in the wrong details on the app the first time so I called them and the guy told me I can try to register again. After it was declined the 2nd time, I gave them another call and the guy told me the drivers license I used has been flagged? I ended up calling NZTA and they said my drivers license is clean and there shouldn't be any issues using it as all details are correct and valid etc.
Obviously I have missed out on a really great deal but I noticed that almost every store in NZ uses Q Mastercard as a finance option. I'm thinking of applying for that but I've never used any of these buy now pay later or finance payment options before. Would this actually be worth it? I grew up in Asia for a wee bit before calling NZ home and there, a lot of stores actually do 12-24 month payments with 0% interest and that's how we usually bought expensive stuff but I'm not sure if it will be the same here and I'm worried that if I do get the Q Mastercard, I'll end up with a surprise fee by the end even if I've made all payments on time.
I decided to go to JBHifi as there's no PBTech in Dunedin and I am leaving again next week and won't be back or have any free time to do shopping until late November so I wanted something by the end of the week. JB only has Humm and Q Mastercard as options for financing and I only have laybuy although I've never actually used it. I tried to apply for Humm as there was a deal (that ends today) at JBHifi for this decent ASUS laptop and it declined my registration twice. I thought it was because I typed in the wrong details on the app the first time so I called them and the guy told me I can try to register again. After it was declined the 2nd time, I gave them another call and the guy told me the drivers license I used has been flagged? I ended up calling NZTA and they said my drivers license is clean and there shouldn't be any issues using it as all details are correct and valid etc.
Obviously I have missed out on a really great deal but I noticed that almost every store in NZ uses Q Mastercard as a finance option. I'm thinking of applying for that but I've never used any of these buy now pay later or finance payment options before. Would this actually be worth it? I grew up in Asia for a wee bit before calling NZ home and there, a lot of stores actually do 12-24 month payments with 0% interest and that's how we usually bought expensive stuff but I'm not sure if it will be the same here and I'm worried that if I do get the Q Mastercard, I'll end up with a surprise fee by the end even if I've made all payments on time.