Music Store Credit Cards

Divine · Post by **Divine** » Tue Nov 23, 2004 7:57 am

Anyone know which music store has the best deal for a line of credit?

Thanks

Rick Hunter · Post by **Rick Hunter** » Tue Nov 23, 2004 8:02 am

dude, If you can, dont do the credit rout. Its a great way to get totally fucked.

joeysimms · Post by **joeysimms** » Tue Nov 23, 2004 8:07 am

What Mr. Hunter said. You should listen to him, he's a doctor.

Music Stores entice you with the "no payment for 90 days" shit, then turn around and charge the highest interest, which you'll still be paying off long after you've gotten rid of the thing that enticed you in the first place.

Mr PC · Post by **Mr PC** » Tue Nov 23, 2004 9:08 am

You certainly have to be careful with the credit cards. That being said, I often use the "12 months same as cash" deals. The thing is, of course, you have to pay it before the 12 months pass, or you get screwed. I've been good about it, so have not suffered the nasty interest that builds up the whole time.

PC

Red Rockets Glare · Post by **Red Rockets Glare** » Tue Nov 23, 2004 9:32 am

Credit can be an excellent way to go if you use the "same as cash" offers that both Musicians friend and Sweetwater have right now, it's how I've been able to build a decent sounding studio since I am bad at saving money unless I jnow I HAVE to to pay it off in time.
Don't be scared, just be responsible with your cash.

Coco · Post by **Coco** » Tue Nov 23, 2004 9:52 am

Most places will not charge interest if paid off in 6 months. You will just be eating at your parents place more often. I would say don't do it. Especially if it is going to be on some digital box that will be worthless in a couple of years. If you are buying something that will hold it's value like a John Hardy mic pre or something of the like, then maybe you could justify it. Just save some cash for a down payment. Interest will be less or save up and scour ebay.

aishabag23 · Post by **aishabag23** » Tue Nov 23, 2004 12:05 pm

i know from personal experience with the sam ash card, you sometimes get up to a year with no interest, but enter into that 13th month and you're really in for it!

see, they charge you 'compound interest'.... basically if you haven't paid the card off IN FULL by the day before your interest charges start, you will receive a bill with ALL of the back interest for the supposed "free" year! so it's only interest free if you pay it off in full by the day before the deal ends.

Divine · Post by **Divine** » Tue Nov 23, 2004 12:22 pm

Yeah I can pay it off over the course of a year no problem. I know how to manage my money. I want a nice mic pre amp and I want to spend like 1000-2000 dollars.

I have to buy a new car soon and finish financing my new album so I need alternate ways to get gear.

Sam ash looks like the best online store right now.

joeysimms · Post by **joeysimms** » Tue Nov 23, 2004 12:29 pm

What nice preamp are you going to drop $1-2k on at Sam Ash??

Rick Hunter · Post by **Rick Hunter** » Tue Nov 23, 2004 12:30 pm

Tom, settle down

joeysimms · Post by **joeysimms** » Tue Nov 23, 2004 12:37 pm

I'm genuinely curious, since I did not know that Sam Ash sold high-quality preamps.

Red Rockets Glare · Post by **Red Rockets Glare** » Tue Nov 23, 2004 1:41 pm

I've heard some geezers used to use these joey:

2-610

joeysimms · Post by **joeysimms** » Tue Nov 23, 2004 1:54 pm

Red Rockets Glare wrote:I've heard some geezers used to use these joey:

2-610

That link did not work, but i honestly did not know that Sam Ash carried UA stuff. Color me surprised!

Red Rockets Glare · Post by **Red Rockets Glare** » Tue Nov 23, 2004 2:21 pm

me neither, I bet it's all jelly-filled

Divine · Post by **Divine** » Tue Nov 23, 2004 3:22 pm

An Avalon m5 is a piece of trash now?

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