What about credit checks for those with low credit scores?

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What about credit checks for those with low credit scores?

asked by Frederico B. on 5/27/17

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Long ago, I decided to abide by a self imposed policy of not buying things on credit. In so doing eliminated all of my debt and have been fairly good about holding true to the promise I made to myself. However, my studio needs are growing faster than my equipment can provide. I still don't wish to turn a liquidated debt into an unliquidated debt by virtue of getting bogged down with interest rates etc. ZZSounds claims not to charge interest on purchases and other associated fees appear clearly stated. Despite these claims, one who uses a traditional line of credit with one of the main credit card companies *would* nevertheless be charged interest on the purchase by that third-party credit card complany. A viable exception to this would be a pre-paid credit card via the same reputable third-party credit card company. This way there is a closer nexus to the clearly agreed upon amount the consumer owes and that represented by ZZSounds. Doing otherwise, involves a level of hidden financing on the part of the customer that he or she may not be cognizant he or she is doing through carrying and maintaining an outstanding balance (generally) on his or her credit card, including but not limited to that which he or she may owe ZZSounds per ZZ's agreement with them. You can see where one can put themselves behind the eight-ball here. It seems paying for the item outright or through an interest free devoted pre-paid card would be more prudent. Do you know whether ZZ accepts bona finde pre-paid credit cards (so long as it's issued by one of the accepted providers listed on the site)? The importance of the customer maintainIng a sufficiently high anticipatory line of funds notwithstanding, as a point that clearly goes without saying. Thank you for your help in clarifying this point.
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Tad B. · Answer 1 · 2017-07-10T12:42Z

Tad B.

on 7/10/17

You can't start out buying a $2K guitar with bad credit. Buy a lesser model and pay it out over 4 months. I've never been turned down and have bought about $9K in guitars from them, with poor credit.

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Christopher H. · Answer 2 · 2023-04-30T02:44Z

Christopher H.

on 4/30/23

I believe first purchase no credit check is like a 1500 limit give or take maybe 59 dollars

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