![[Afterpay] Gigabyte RTX3060 12GB LHR Eagle OC Graphics Card $543.15 Delivered @ Computer Alliance eBay](https://files.ozbargain.com.au/n/19/689419.jpg?h=a67e91f0)
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Cheapest RTX3060 12GB on the market… HOLD or Buy… who knows. its pretty close to RRP
AMD 6600 are going for $492.15.. not sure whats the better buy but $492.15 is below the AMD 6600's RRP for USD to AUD + GST
[Afterpay] Gigabyte RTX3060 12GB LHR Eagle OC Graphics Card $543.15 Delivered @ Computer Alliance eBay
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vid_ghost on 18/03/2022 - 18:07 ebay.com.au (431 clicks)
Last edited 18/03/2022 - 18:25 by 2 other users
Last edited 18/03/2022 - 18:25 by 2 other users
This is part of Afterpay Day sale for 2022
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The best thing about buying 3060 now is for all those who only got $600 limit on your afterpay account, save you calling them to up your limit … Hopefully 3060Ti will end up under $600 and that will be super sweet!
Maybe a bit off topic but I am curious how do you only have $600 limit-I suppose thats a good thing in a way to limit spending but still, I got my account with afterpay while i was between jobs and I didnt have anything in my bank account and still got 1.5k limit-maybe thats them trying to bait people into buying stuff that they cant pay back so they will incur an interest but still 600$ seems really low unless you intentionally called them up to reduce your limit?
But yeah do agree with you, HODL, no point paying 500+ for a 3060 given how everythings crashing down so fast.
Starting limit is $600… that's what i started on and now I'm sitting on $3000
After pay doesn't run a credit check like Zip pay so its a risk they start slow with a low amount
maybe when you signed up they were desperate for usersah fair enough
No this is false, they do NOT want you to miss payments thus baiting you into buying things they cannot pay back, it is in their best interest that they finance people who can pay back as they make money off sellers, not buyers.
oh never knew that, how does this work exactly? They get a comission % if people use afterpay to purchase? so they dont really make money on overdue fees etc?
@Brrrrt: They're not after money from their own customers but the stores that actually use Afterpay as the service.
If I jumped at you it's probably because there are a few anti AP posters around here not knowing the real information.
I do believe that retailers get charged 10% of sale price, but in the case of eBay providing Afterpay as a service, I'd probably think that AP has reduced that fee somewhat due to the high volume of sales.
AF make money with retailers, not their own customers, I have been with them for 5 years and they got me through some tight times when I was doing my audio course to be able to buy synths that I would not normally be able to afford.
I have missed 1 payment on purpose but I rang them and they canceled the fee owing.
The only issue with AP is that trying to chase down a refund from a merchant who has done wrong is pretty hard to do.
eBay has its own refund policies so you are covered there, normally refunds would take around 5 days to process from eBay to AP to your account, now it's less than 3 days and sometimes same day.@Brrrrt: Their phone service whilst has gone off shore is excellent and you can get things resolved very quickly.
@[Deactivated]: Afterpay makes around 13% of its profits from late fees, so millions of dollars.
It’s like saying Macs don’t matter to Apple.
@next gen: https://finty.com/us/business-models/afterpay/
From a more recent article over what you have posted as no link.
Late payment fees
Afterpay makes less than 10% of its earnings from late fees on loans paid by its customers. When assuming the loan, the customer receives an invoice with their next payment due date. Afterpay deducts the specified installment amount directly from the nominated debit or credit card on the agreed date.
So less than 10% caters for late fees of their business model, which would mean more than 90% of their revenue is based on merchant fees.
@[Deactivated]: So 60 something million instead of 80 something million, mostly from Australians.
Heroes!
@next gen: What are you even arguing? Banks make a ton more than this in later fees, so much so that NAB had class action filed, not only have they done it once but consistently and lately too.
https://www.9news.com.au/national/nab-sued-over-periodic-pay…
Where did you get this 60 million from btw? The article never mentions source, so somehow you're relying on US? World? what?
You're going after a company that does what any other company does, if you miss a due by date, you're charged a late fee, is this too hard for you to comprehend?
I'd like to see what % Australian customers are paying late fees and what the actual amount is, rather than you posting no valid info what so ever.Thanks.
@Brrrrt: Retailers pay about 3% on every purchase(at least the one I was working for did) , your account is linked to a CC so technically you can't miss the payments but it definitely happens if you are over commited. I agree with use of BNPL for big purchases (new age interest free) , but not for smaller daily stuff, that to me is a wrong way to use these services.
Must checkout with Afterpay to use this coupon