Samsung Z Fold3 Purchasing - Advice for a dumb mistake

[oblivion-npc]

Hi everyone - I'm not sure exactly where this post should go so if this is the wrong forum, just yell at me

 

So I was looking into getting the Z Fold3 and ever since the second one came out, I was really interested and decided to just go for it this time. Went through the whole pre-ordering process (unlocked w/ financing) and got to the financing application part - and got denied. I (yet again) forgot to unfreeze my credit lol. I've kept it frozen ever since the Equifax breach because I was one of the unlucky people in that fiasco. Anyways, I'm not sure what to do. Should I unfreeze and re-apply, try to contact someone (idk who), or just take the L and stick with my OnePlus 6T? My credit is around ~750 across the board so I'm not even certain it would get approved anyway. Would my application even still exist? Plus what about the added accessories? Really not sure what to do lol.

[MaximusFTEU]

Best option would be going to a store and asking there, because I presume that it will be different in each state and I know that over here we can just pre-order in a Samsung store :).

Kind regards,

[dizmo]

Not sure why you think a credit score of 750 would mean you wouldn't be approved. Do you know how credit scores work?

As for spending your money, these things always feel more like the poster is trying to pass off their decision onto someone else. It's your money. Make your decision.

 

1 minute ago, James Evens said:

Don't buy a luxury item on credit.

It's 0% financing, it doesn't matter if it's on credit or not.

[MaximusFTEU]

2 minutes ago, dizmo said:

As for spending your money, these things always feel more like the poster is trying to pass off their decision onto someone else. It's your money. Make your decision.

^That. I'd even take it to 'It's your life, do whatever you personally want'.

[oblivion-npc]

14 minutes ago, dizmo said:

Not sure why you think a credit score of 750 would mean you wouldn't be approved. Do you know how credit scores work?

As for spending your money, these things always feel more like the poster is trying to pass off their decision onto someone else. It's your money. Make your decision.

 

It's 0% financing, it doesn't matter if it's on credit or not.

mainly was looking for advice from people who have experienced this kind of issue before and what their outcome was. my frame of reference for credit scores is limited, but when i was buying my house my credit was referred to as, "okay", so that's my metric. i try to err on the side of caution for these things typically, this is the first time i've ever attempted to finance something that isnt a car or house.

[Chris Pratt]

22 minutes ago, James Evens said:

Don't buy a luxury item on credit.

 

I would agree with this for most things, but it's pretty SOP to just pay monthly for your phone. Most people already do it that way through their carriers. Doing the same thing via a 0% financing option is no different.

 

[oblivion-npc]

23 minutes ago, James Evens said:

Don't buy a luxury item on credit.

 

you have a good point but as another user pointed out it is 0% apr. for me it worked out to about $50/mo for 36mo or $75/mo for 24mo. pair that with a typical MVNO plan and what you have is basically a contract like what verizon/att/t-mobile/comcast/etc offer, except cheaper and more flexible. i have a lot of thoughts regarding the cost of "luxury" devices these days, especially when comparing what they cost now to what they cost just about 3-4 years ago, but that's for another time maybe

[dizmo]

11 hours ago, oblivion-npc said:

mainly was looking for advice from people who have experienced this kind of issue before and what their outcome was. my frame of reference for credit scores is limited, but when i was buying my house my credit was referred to as, "okay", so that's my metric. i try to err on the side of caution for these things typically, this is the first time i've ever attempted to finance something that isnt a car or house.

Everyone's outcome will be different because no one will have the exact same credit report that you do.

[oblivion-npc]

problem solved. just paid the whole thing up front. btw, credit worthiness was not my concern. i was not sure who to contact to get the application re-reviewed, if that could even be done, and if not would re-applying even be possible (it wasn't). i thought that someone here might have made the same mistake when financing a phone and could point me in the right direction, maybe i didn't make that clear enough. also, i finally just realized this thread was in the laptops and pre-builts, not phones and tablets. that was not intentional so my bad.