Warning don't use amazon monthly payment (Equal pay) because they charge the full price to your card

[@ACUmancave]

This is not a credit card as I stated in the video... I am so surprised at the number of people that think this is a credit card! It is not a credit card! (It is a payment option!)

[@empowerenhanceesteem9861]

Thanks for this. I am so with you! This "plan" is nothing but a scam. 😂

[@ACUmancave]

@@Xander4096 NO Your wrong , read it again...

[@seto-alberona]

I used my debit card they charged my card the initial 75$ and the 55$ payments started 30days later so id recommend you get your facts together before making false content. And i have all the emails and bank statements to back everything up.

[@lilmamma807]

You confirmed exactly what I read in their description. Confused the heck out of me. Thank you

[@ACUmancave]

Your most welcome

[@thirtyacres7504]

You may as well pay the full price. This defeats the purpose of monthly installments. This payment option is only available to customers Amazon deems "trustworthy." The fact they are charging and holding the full price and then dividing that up monthly, shows they have zero trust of their "trustworthy" customers.

[@brian_akhtar]

Imagine, you go up to the cash register with a $1,000 item: Clerk: "Hey, did you know you can pay us $100/mo for 10 months instead of paying the full $1,000 right now? You: "Wow! That's awesome! Sure, let's do the $100/mo option. Clerk: "Awesome! So, your total right now comes out to $1,000! You: ".......But..... you just said I would pay $100/mo...🤔😑" Clerk: "I did say that!" You: "Then why do I have to pay $1,000 right now?" Clerk: "So that way, once I have the $1,000, I can pay myself $100/mo" You: "Are you fucking stupid?" Clerk: "Yes, I am, in fact, an idiot! 🤠"

[@ronaldvecchione1441]

🤣🤣🤣🤣🤣

[@ivanbenitez567]

They're not stupid, Amazon is stupid. They're just trying to bring some bread to their tables by following stupid procedures of a big company.

[@carolverde8439]

Lol

[@Insert639]

lmao

[@johnperry6201]

Amazon logic lol

[@robertwoods5169]

I never experienced this when I used this option so I'm baffled that this happened to some people

[@alexialipman]

It literally took me almost a week to realize this! They kept declining the payment and I was so confused since I thought it was split up into a few months… they really should make that more apparent when choosing that option🤦🏻‍♀️

[@ACUmancave]

I totally understand and I see they added a small statement under section 2 in the drop down menu that says they will bill the full amount. Yet that's still not enough and misleading.... Sorry you had to learn this 😞the hard way....

[@stars8924]

I’m so glad I’m not the only one. I purchased $1440 worth of items on a $300 CL thinking the same until one item got declined! Almost missed my Cyber Monday Deal with their mess!

[@AlexDaMister]

They should have same thing happened to me

[@Infloun]

I am so annoyed because I opt in for an Amazon Card and took a mid hit to my credit score when I open it because I wanted to do this monthly payment thing. My order was declined and I couldn't figure out why it did, until I did this research and came upon this video, if only I did more research into this, I wouldn't look like a complete idiot.

[@agomodern]

@@Infloun A year later and I'm having that same problem. Says you have the card and I chose the 0% for 12 months and declines it, so I finally apply for the Amazon Visa and click on 12 months 0% and then when I hit the pay button it says I have the Amazon Visa 5% cash back. Damn, I hope they are still giving me the 12 months 0% too!!! I tried cancelling the order because I can't find my way through the Amazon maze and now says it may or may not be cancelled and to wait for one business day, which tomorrow will be Saturday, so I probably won't know until Monday. I'm pissed and shouldn't have fallen for their scam!

[@UnwantedCommentary]

I was wondering about this. Thank you for making this video to explain to people.

[@devwill2013]

Man I thought I was the only one this has happened too. Thank god I did it on something small and not something frivolous.

[@ACUmancave]

I think it's just wrong they do it that way..... Where is the saving?

[@Gundam-bruh]

@@AlexanderGamingLD what are you talking about? You’re literally paying it out of pocket if they take the whole amount out.

[@ACUmancave]

@@Gundam-bruh Alexandra doesn't understand the process, I tried helping him but he still doesn't get it

[@ACUmancave]

@nomasporfavor I don't quite understand Synchrony Bank philosophy

[@ACUmancave]

@nomasporfavor smart call

[@Pysandjays]

The only benefit of this from I gather is zero percent interest on the item on monthly installment on the Amazon credit card.

[@saew100]

Jokes on them I don't have enough money for them to take it

[@ACUmancave]

lol

[@johnfredericks8438]

😭😭

[@theirsttsomethingforhimher3905]

Lmfao

[@_rasec_9910]

Did it work?

[@kimberlymirsky7718]

Doesn’t sound like the joke is on them.

[@MexicanBeans15]

Might as well buy it out and earn 5% rewards

[@thomass.1444]

Yes this just happened to me! Thx for your video it saved me the time of calling them. It's their way to get you to buy more stuff!!

[@maeesmond9268]

Extremely helpful!!!thank you!!! Everyone saying this is a awesome thing to do even tho to me it makes absolutely no sense!! I was going to buy a $700 electric bike, thinking I could pay it off monthly because I don't have the money. And I CANNOT afford for them to take out $700 PLUS the monthly fee to form $700. Idk why they did it like this, why wouldn't you just buy it like normal if you are still paying the full amount? Just thank you for saving my bank lol

[@ACUmancave]

I feel your pain, I even called to reason with them but they said it was the agreement the bank made with amazon...

[@silininassima3436]

How can me cancel pay over with Amazon thank you

[@ACUmancave]

@@silininassima3436 Click link and put in your number and amazon will call you www.amazon.com/go/contact-us/call?orderId=

[@WraithDesignz]

So basically there is no point in doing monthly payments. Might as well buy out right.

[@ACUmancave]

@@WraithDesignz You got it, sorry to say

[@arise9426]

That's just stupid as hell, it's a pure scam they are taking your money right away and then take the money again and then refund it. It's like they are telling you that you just got scammed. The point of monthly payments are for the people who don't have the money for an item and want to do it per month and what Amazon did is like taking the full amount and then refunding it. It's exactly like giving them the full amount but just chaining you to pay for years or months of payments.

[@stars8924]

I think the point is that you are carrying a balance for 6 months but with no interest. And if your purchase amount exceeds your CL then you can’t buy the item anyway so if you’re able to do it then you do have it via your CL

[@juriedesu6868]

@@stars8924 Then they should put "Charge in full and pay back with no interest" instead of advertising it as "We'll split the amount in 12 eqaul payments" That's just misleading

[@stars8924]

@@juriedesu6868 Definitely misleading. I kept trying to buy an item and was declined like 5x lol

[@vinorixus887]

Thank you for the video!! You answered my question perfectly- The only benefit I see is that you won't be paying interest but at the downside is that you'll lose the 5% cashback Might be worth it for some people, but as someone who hates carrying a balance it's definitely not for me

[@AdApT3Rx]

Fax

[@jenn4593]

But the no interest charged sounds like the biggest perk to me. It makes perfect sense to me. I can slowly pay off the balance without worrying about interest instead of having to pay a huge amount at one time.

[@vinorixus887]

@@jenn4593 Yea like I said, worth it for some people- but people like me who don't carry a balance don't pay interest anyway and it's much better for us to get the 5% cashback ^^

[@varicustoms]

if you spend $1500 over 12 months wich would be $125 a month YOUR MINIMUM PAYMENT WOULD BE $125 a month but your balance would say 1500 so you dont overspend its almost like taking out a personal loan with a fixed rate hope this helps someone understand.

[@ArsonCrafts]

Man…I was a hair away from buying like $900 worth of music stuff and read that close and was like…”this is the dumbest thing ever!” I’m glad there are still sane people like you who warn about this. I bet lots of people do this because it’s basically stated as a lie.

[@ElijahScott10x]

Yup they do that. It's a trap to get you to buy stuff you normally couldn't afford.

[@xilllllix]

thanks for making this vid. this whole equal payment monthly thing literally makes no sense how amazon does it...

[@ACUmancave]

Your welcome and it really doesn't....

[@mitchellmiller3176]

Thank you very much for this video cuz I was just about to order a $1,300 standup shower off of Amazon for $108 a month. Thank God I backed away right before I put in my debit card information

[@ACUmancave]

Your welcome

[@Dasani605]

Them MFs got me but never again

[@atvras6150]

that literally makes no sense. why can they just do it the right way? I was gonna buy a graphics card for 900 and it was gonna be 75 a month.

[@5un50utPr05]

Was so hyped to finally buy my camera with this method, just to get dissapointed. I hate Amazon!

[@mason3750]

I ordered new tires the other day for over $500 not realizing Equal Pay was different than Monthly Pay. Requested a cancellation, but it gave me the “Your order is about to ship, so cancelation isn’t guaranteed” message. Hoping I can get this sorted out and refunded. Glad I’m not the only one that had an issue. I thought something just went wrong on my end at first. Lol

[@ACUmancave]

Sorry you had to go through that, I hate when they say they shipped it and we know they didn't..

[@agomodern]

No follow up? Would have helped because the same thing is happening to me now.

[@devak45167]

Yea they do a horrible job (purposely I'm sure) explaining this at checkout. Makes no sense to use this, really dishonest of Amazon, but I guess we should expect it

[@GamingWithMir588]

Good thing I did some research b4 I bought a 1600 dog kennel

[@insanejane522]

I was about to do this for an insta360 camera but I read the terms. I had to look up what others were saying ro make sure I was reading that correctly. Thanks. I'll just buy it and at least I can get 5% cash back.

[@ACUmancave]

your welcome... Try affirm they are pretty easy to work with, look at my affirm video

[@gregoryburkhead7813]

Yea but if u do amazon payment pland and not equal pay.. ur fine

[@alrbredwall]

Thank you for this awesome information. You saved me from making this mistake.

[@ACUmancave]

Your welcome and Happy thanksgiving (if you Celebrate)

[@Str1x87]

Apple monthly installments work the same way(if you use an Apple card for buying their technics). They "subtract" the amount of purchase from the credit limit. And every month "add" part of this sum to minimal payment.

[@loquito1966]

I think they do that to make you feel that you can afford a purchase that you wouldn’t normally buy if you had to pay for it all at once. Imagine if you have a card with a 500 dollar credit limit and you’re looking to buy something worth $600. And you think to yourself, well I could pay it off with 6 months at $100 a month. And then get charged for the whole thing upfront and probably have to pay an over the limit fee .

[@ACUmancave]

I got that when I asked them about it.

[@gregpruitt1647]

Yes, it is the as STUPID as ever. I just got suckered into one of these, and it still makes no since as Amazon customer service attempts to explain the unexplainable.

[@protoficial]

Thank you for explaining this. I just did this and could not understand why I was charged the whole thing. On top of this you don't get any cash back so dumb.

[@ACUmancave]

Your welcome and yes it is dumb and it don't make sense.

[@JessycaLunawoona]

Thank god I saw this before buying. Shopping for a new Bluetooth mouse and I see a 76 dollar one. But Amazon says I could do 3 monthly payments of 25 dollars instead. I was about to do it, but my gut told me it was too good to be true. Seems I was right.

[@ACUmancave]

I feel your pain, that's how I felt....

[@badasssteffy]

They take the full balance and then you don't pay any interest on it. So either use another card and pay interest or do installments ...

[@Jay-407]

So even though it comes out of my credit card, there’s no interest because I chose the installments?

[@whateverchannel22]

I don't really understand this at all, either. The only benefit I can see is that there's no interest for the designated time....12 months in the case of the sofa I just bought.

[@ACUmancave]

I see it as the (we don't trust you) option...

[@vicchai3004]

They put it on your credit card, so there's no cash out of your pocket and interest free. You do have to pay the card in equal payments. Am I missing something?

[@ACUmancave]

Yes your missing something, but if you can't understand it now, you never will..

[@Lovemylife393]

Thank you for the clarification. It makes absolutely no sense whatsoever 🙄

[@ACUmancave]

Your welcome

[@momsspaghetti6507]

I had to cancel my order because it billed me the whole purchase and my account went negative 🤦🏼‍♂️ what a bunch of crap

[@toumber]

I had the same problem in the uk, they try to take 1400 dolars, thankfully my bank send me a message requesting authorisation for the transaction, obviously i rejected, This have to be call scam

[@ACUmancave]

That is bad, glad you got that message.

[@gregoryburkhead7813]

Thathanks for this video .. say no to equal pay on anything .. but amazon payment does what it says .. i did it for tablets after making the equal payment mistake

[@SparkingLife111]

!!!!!! Did you also notice that if you choose equal pay that the discount /coupon doesn't apply? That's right you can't do both. I was about to purchase a $400 item with a $50 discount and I chose equal pay option and when I got to check out $50 disappeared then contacted Amazon chat and they said you can only choose one promotion.

[@shaydesofblue2281]

I knew I wasn't trippin'. I proceeded to pay, but the full balance popped up. Like hell no. Can't get me sucka

[@ACUmancave]

🤣🤣

[@kimberlymirsky7718]

I’m not sure why anyone including the creator thought they wouldn’t be charged the full amount to their credit card. They make you pick a credit card to use the promotion. Hope you didn’t use your debit card!! This is not qvc! This is a credit card promotion as stated. Whenever you charge something to your credit card it charges the entire full amount and you make payments towards that amount to pay it off. The benefit of this is they divide the total amount by 12 months for example and you pay that amount for 12 months with 0% interest. If you just charge it to your 22% interest credit card without this promotion you will be paying the interest on that total amount until you pay it off. The advantage to amazon is they get paid within 12 months vs several years and the advantage to you is there is no interest. Win win.

[@jenn4593]

Thank you!!

[@emmettbrown3366]

Yeah, just a credit score will be fell, because credit utilization be increased (due to the entire amount will be written off from your credit limit instantly, but repayment take over a long period of time). Who needs such a "win"?

[@techiemarksman]

very tricky smart misleading policy amazon.... because if they charged you monthly there is a possibility they wont get paid.. that is why they will charged the whole amount in your card so you wont get away..

[@Jay-sd9ye]

Nice. I almost made this mistake. Trying to buy a new watch. I ended up buying one used through a private party that I could actually afford right then and there. I'm happy I didn't fall for Amazons scam.

[@mitolito2133]

Yes sir! The AMAZON payment plans and offers are the most STUPIDEST THING ever happen in the ONLINE SHOPPING!

[@ACUmancave]

Agreed ! 🖕

[@brokearcader6625]

I mean this isn’t dumb it’s a smart way for Amazon themselves and the vendors that sell their products on Amazon to protect themselves, so say you want to purchase X for $800 they automatically put the $800 purchase in your card and you have to pay that DOWN it’s not like your paying double or anything. They are making sure you don’t just purchase the product and ditch them a month down the road

[@ACUmancave]

Or they don't offer the option and let the customer pay as they normally would. Because it's a stupid idea to pull the lump sum and pay it for me!

[@brokearcader6625]

@@ACUmancave it would actually work out better if they made it where you could make the monthly payments but you do not get the product until the amount due is paid in full. All they are doing is trying to protect themselves. I mean there are people out there who don’t care if they get a bad credit score or get into trouble as long as they have their 80” tv they don’t care. They won’t even make the payments. So if they had like a layaway program it would workout better at least it makes more sense to do it that way.

[@ACUmancave]

@@brokearcader6625 I'm old school, if they still have it they call that layaway. I'd say take the full amount and leave it at that but don't tell me you'll pay for me once you take my money...

[@zaphirshamma9531]

I was duped into this and found this thread while trying to figure out what happened. They charged me what I expected, but it was all at once ($695). I always pay my CC bill in full, so I payed the balance which includes the $695. So I guess I am done and paid it in full? It's almost like I never used the pay over time feature because I paid my bill in full...right?

[@bigdawg7718]

Glad I opted not to do this. Been looking to get a mattress topper for a brand new bed. Waiting on some money from work.

[@shadowsiren3058]

Thank god i did research on this this really helped me i will not be using monthly payments on Amazon for now on.

[@ericschneider3521]

Isn't this moreso a problem for debit cards? Because if they charge a credit card the full amount, then you'd have the whole value of the purchase taking up part of your limit, but you'd only have to pay down that amount by the monthly price correct?

[@casualmime2792]

The worst part is the monthly installments don’t even work. Bought some speakers that should have been 150 a month. First month 1800 was due lol. What a scam.

[@marsrover0]

You have to pay the monthly minimum

[@SlawomirOkon-p8o]

Very Interesting, Thank you for update !!!

[@ACUmancave]

Your welcome

[@SergeCruso]

wow, Glad I looked this over, for this honest insight I give you a subscribed!

[@ACUmancave]

Thank you and I'll always be honest the best I can...

[@ang3lbaby106]

And not to mention Amazon has one of the highest rate with affirm then any other retailer

[@PanoramicArg]

Hello sir! Thanks for taking your time and uploading this. I can't sleep I still don't get it... Let's say I have $2000 in credit... And purchase something for $1200 in 12 equal monthly payments. My remaining credit is, $800. Which is normal. How much do I have to pay next bill? In my world is $100. Is that the same as they report ylu as minimum payment?

[@Lsufan-we8bb]

i agree say away from the equal pay. i will never use it again. they also apply any payment towards the equal pay balance until its completely paid off. So if you make other purchases, they will draw interest.

[@muzegames]

I have extensive credit. A $20k item would be less 20% of my total credit so it wouldn't hurt my credit. For people with lower credit, yes this will increase your utilization, but it will disappear as you pay the balance down. If you're on time with your payments you don't have to worry about this impacting your score for the long run.

[@DREQON2005]

I figured there had to be a catch to this that’s why I went online to see

[@SpokaneGirl85]

I'm so glad I have a high credit limit because I picked this and saw I was billed a high amount but mean while I am only billed $30 a month for an SD card I bought and the total is $89.99 and I thought the same with my $637.00 purchase. I feel bad for those with a lower credit limit like 1,000 or 2,000.

[@mrloctos]

wait so lets say I have like 3000 dollars if I buy something for 9000 in monthly installments 1000 for 9 months and I buy it now cause im gonna get money from someone later it will take away 9000 from my current balance and make my amount negative? Or divide it and take out 1000 each month from my balance?

[@eddyjeanty4186]

Let me know if you found an answer to that

[@mrloctos]

nope it only works if you have the full price in your bank account, thats wierd..

[@eddyjeanty4186]

@@mrloctos That’s so dumb but thanks for the reply

[@brendonbrown3229]

Do you think I could complain to amazon and switch payments, of I'm gonna pay for it in full anyway might as well earn 5%

[@Eyes_In_Your_Darkness]

Yes this is correct, I went through the process and it was going to take the £699 out straight away for £58 montly payments - obviously I declined it in my online banking. Seems corrupt to me

[@ACUmancave]

Agreed and I'm glad you were able to stop it... 👍

[@scottyee707]

I pay my cards off in full every month and did not realize they did this stupid sh**

[@ACUmancave]

Yeah I know It's a stupid option they have,... Try affirm next time if its available in your location

[@Chanettes_Unique]

wow I was about to do that, I'm happy I saw ur video

[@ACUmancave]

Glad to have helped..... :-)

[@jayharris5086]

Very useful!! Thank you for posting.

[@ACUmancave]

Your very welcome...

[@InvincibleYoungEmpire]

Wooooow!!! Thank you so much for this.

[@ACUmancave]

Your most welcome

[@sacstateenglish]

Another thing that sucks with Equal Pay is that you can't pay it all off at once. It really is a dumb program. Their other monthly pay program (that only charges you each month) is a far better option. I would never recommend Equal Pay.

[@ACUmancave]

I like affirm it has treated me well.. You should try it, they give you monthly rates you can choose from..

[@zach367]

@@ACUmancave doesnt affirm charge interest though?

[@ACUmancave]

@@zach367 Yes, they tell you up front and they stand by the payment arrangement you agree too.

[@JoggingMyMind]

so with the earn 5% back option on the prime card, does it take the full amount to the amazon card-- then you pay monthly from your bank?

[@ACUmancave]

What you pay monthly for your bank has nothing to do with this option.

[@JoggingMyMind]

@@ACUmancave sorry, i just meant with the second option with using the prime card, like what is the difference between the 5 month payment plan vs the cash back option. do you have to pay off the entire card every month if you dont use the payment plan?

[@ACUmancave]

@@JoggingMyMind I used my credit card and it pulled the full amount even though I picked the monthly payment plan. I made the video as a warning for people to be carful using this option. As for the details your asking, you will have to contact them because I won't use this option. Sorry I can't give you more info.

[@Kazuto344]

Sounds like they are charging you double

[@DrewPicklesTheDark]

If they are going to take the whole thing out for the down payment, why not just buy the F'in thing?

[@rl2023te]

I'm so happy I watched this video I was gunna charge 1400$ and I remember I tried it once and that shit charged me in full. It doesn't make any sense to me why they would have that as a feature

[@ACUmancave]

I know....

[@BigDo]

To a very confused at this because normally say if I were to order something on HSN for a hundred bucks and the payments were split into four payments The first payment would be $25 plus shipping and handling if there were any and the second third and fourth month would be 25 bucks added to my card each of those months but this is just crazy I honestly feel stupid that I'm missing missing something

[@mrloctos]

Oh I understand, so they're gonna charge you 600 to your credit card's bill and the monthly installments are gonna pay that bill every month right?

[@maeesmond9268]

Idk I'm so confused

[@ACUmancave]

Under this option listed in my video, The bank is taking the full balance and then once they have it in their possession they're making the monthly payments for you... It makes no sense but that's what they're doing...

[@ACUmancave]

Instead of you paying monthly they pull the full amount from your account and after they have it they then pay the monthly for you... It's a stupid idea but that's how they do it, under that option..

[@3dipto]

This just happened to me when I bought an Xbox series s as a Christmas present. I reached out to Amazon support and they said that $297 charge will initially appear but I will just have to pay $25 every month via the minimum payment. I then asked them “wouldn’t that decrease my credit score?” And they said “I understand, but please do not worry, It will revise In your next month.” So now I’m stuck in limbo to see if they’re telling to truth 😂😂😂 literal bullshit

[@ACUmancave]

So you let them have the full price just so they can make monthly payments for you? 🤔

[@dwaka08]

U guys think it’s a good idea to just pay the whole thing or is there a fee for earlier payment ??🥹

[@ACUmancave]

@@dwaka08 There are so many other options then this one. Since they bill the full amount why should there be monthly payments? It's not like its a credit card... Pick something affirm they will give you monthly payments and they are affordable.

[@3dipto]

@@ACUmancave nah. I returned the package and got a refund lol gonna get my nephew an iPad instead since apple’s monthly payments work tremendously better (you only get charged the monthly payments every month)

[@ACUmancave]

@@3dipto I agree 👍

[@GermanShepherdDaphne]

This shit just f ed up my Christmas. Guess I’m not buying any gifts

[@ACUmancave]

Try (Affirm), I use them and they are pretty good..

[@droy7101]

Wow thanks for this. I was about to order a 1000+ tissot watch thinking i have to pay 200 per month for 6 months which is affordable. But if they charge 1000 from my card, guess i still cant afford it.

[@ACUmancave]

Your most welcome...

[@wardogkilla]

That’s stupid if I have the money I’ll pay it off payments are for some who can’t afford it .

[@ZachrRapMasterTv]

Thanks saved me

[@elvtecst]

Wouldn’t they pay you back if you canceled the subscription?

[@TuneScape598]

There’s jus no point then

[@ACUmancave]

agreed

[@TWorldInc]

Do you have any ideas how to cancel this payment method?

[@ACUmancave]

I've noticed no extra charges for doing so...

[@Infloun]

I am so annoyed because I opt in for an Amazon Card and took a mid hit to my credit score when I open it because I wanted to do this monthly payment thing. My order was declined and I couldn't figure out why it did, until I did this research and came upon this video, if only I did more research into this, I wouldn't look like a complete idiot.

[@ACUmancave]

Not knowing isn't an idiot, knowing and doing it anyways is !

[@billfranz4488]

Thank you for the info!

[@ACUmancave]

Your welcome

[@cckidd27]

You think you were cheated. I used this to buy a PS5 for over $500! Now I have to return it to get my money back, and I've already used the game code that came with it. I bought it before I knew what the minimum payment was on my card. It's over $100! I don't know if I can return it in time to get my minimum payment lowered or not.

[@ACUmancave]

I totally understand and feel your pain 😔

[@gregoryburkhead7813]

Equal payment plan takes ur money up front .. amazon monthly doesn't

[@ACUmancave]

Yes

[@richardcarabajal99]

So am I still going to pay zero interest on the monthly payments or am I gonna still be charged interest on the remaining balance each month?

[@ACUmancave]

I only shared what they did as to your question I have no clue, keep us posted

[@jenn4593]

You will not get charged any interest--that is the main benefit.

[@earwaxsolver]

bought a 1600 laptop just saw the charges this makes absolutely no sense. why would I have to pay monthly payments when the full amount was charged already?? that's so crazy. do they give you back the full charge lol?

[@ACUmancave]

Yes they will refund the full amount...

[@earwaxsolver]

I got a refund and now did the fiance option no equal monthly payments now I am good to go

[@ACUmancave]

@@earwaxsolver Good deal

[@jayharris5086]

@@earwaxsolver Wait thats an option?

[@earwaxsolver]

@@jayharris5086 of course, you have a 90 day period

[@YoungEli9]

Corrupt ass financial system

[@TheRealZXXZ]

Does this happen with the Affirm option too or ..

[@JohnWick-sl2sn]

They just trick you to purchase things!

[@ACUmancave]

🤣

[@yomomma9275]

I screwed up because i had autopay on to cover full statement balance due and it paid itself in one shot

[@ACUmancave]

Ouch 🤭

[@shoitu1350]

On Amazon, there's a DJI Mini SE drone I want to get that costs $300 and I've been curious about the monthly payments it offered. It's $60 a month for 5 months (to add up to $300). I added it to my cart and selected monthly payments and then it said It'll charge me $60+tax due at shipment and then with $240 remaining balance). I haven't purchased it since I wanted to see the costs before doing so. Since I'm only using debit, will it charge all $300 right away and then pay off the $60 for 5 months while they already have my full charge in possession? Or will the debit card make a difference and actually pay off $60 monthly separately instead of the full $300 day one charge.

[@ACUmancave]

Shoitu, I can't say since my video covers Equal pay, yet if you want to try it be sure you have the full amount or you could use your debit card as a credit card and not have the full amount and therefore it will reject you if it tries to take it all.

[@atumanov55]

The 5 month payment option is a completely different thing, and it actually does what it says it does. It will debit you only the monthly payment. The 12 month equal pay with the Amazon credit card though is a complete scam like mentioned in the video.

[@smanar1465]

​@atumanov55 hi there , so I want to buy some pc parts for a friend and its about 1.4 k tax included and there is an option sayng pay 350$ for 4 moths i don't get it done they take the full 1.4 k then debit 350 every month or do they actually take 350 a month only

[@vRonnieIso]

I only have $480 in my bank account. A pc I want is $1,250. If I do the Amazon affirm monthly option which is $53 a month, will they take all my money?

[@ACUmancave]

No because affirm is a different option and they only take the agreed monthly amount..

[@vRonnieIso]

@@ACUmancave so I’ll be good if I take that approach?

[@tyicbranch2734]

That's crazy I'm glad I've seen this video it's really stupid Amazon it doing this makes no sense

[@ACUmancave]

Amazon tried putting it on the bank but I say they agreed to it so it is on amazon

[@tyicbranch2734]

@@ACUmancave yeah I agree I wish I could just pay like pay up for something but I guess I'll just pay up for a TV from somewhere else

[@ACUmancave]

@@tyicbranch2734 Try using affirm they work good with amazon :)

[@tyicbranch2734]

@@ACUmancave is that a site or something it would be great to pay up for a new TV I just got the Xbox series X and my TV screen has a bunch of blue patches so it's brok as hell

[@ACUmancave]

@@tyicbranch2734 Affirm is awesome I used them many times on amazon and I used them to buy my jackery. You go to the site and put in your phone number and they will send you a code and they will give you payment options.. You can use them on many sites...

[@rose1234888]

Thanks for the review.

[@ACUmancave]

Your welcome

[@SoulVernacular23]

Same thing happened me I just thought it was the stupidest shit….the card is basically pointless

[@ACUmancave]

Yeah it's that particular option that's that's why,

[@grimdavis58]

See I thought it was gonna take it out slowly like the 100 doller item I wanted said 16 a month for 6 months so I thought it would charge my Amazon card 16 bucks a month not the whole amount

[@ACUmancave]

Yeah that's why that option bites, but try affirm if you can it works well. I made a video on affirm if you've not seen it, check it out... 👍

[@Sampletext2509]

I have 1 question: So if you dont choose that option of monthly payment you can pay full Price right now amd not get to oay monthly Idk if it sounds dumb, just wanted to clarify

[@ACUmancave]

yeah it's just like buying as normal

[@timewtell9239]

I realize this with Clara pay. They took the 130 for the shoes and broke it up in to Payment and that was just the most ignorant crap toe

[@ACUmancave]

Now they will pay your payments for you... Stupid isn't it?

[@TherealKekeUch]

Thank god u said that i quickly cancelled it

[@Thebestpunk]

For example if i want to buy a laptop for $1,000 and decide to try Affirm would i need to pay $1,000 right there at the moment? I know this is equal pay but i wanted to know before using it. With Affirm do i pay full price at first? Or how that works?

[@ACUmancave]

No it didn't for me, I used affirm and they only took the agreed monthly price.

[@Thebestpunk]

@@ACUmancave ohh okay thanks man

[@ACUmancave]

@@Thebestpunk Your welcome...

[@nickt463]

I posted a warning in the comments about it on a TV I bought. They censored it because it cast a negative view on the seller.

[@ACUmancave]

They don't want low ratings matter-of-fact I can't down grade a star rating once I post it on amazon.

[@nickt463]

@@ACUmancave I even gave it a decent score (3 star) and then I copied and paste the entire conversation I had with support and I got flagged for it and was autobanned from making reviews for a while.

[@ACUmancave]

@@nickt463 I understand because I was ban once for giving to many low star rating.. That's why I made this channel