PLEASE MAKE PAYMENT PLAN FOR VALVE INDEX

[DesertCrawler]

I including countless others would buy the valve index vr set if we could do a payment plan. Half life alyx is coming. I need this thing

[cSg|mc-Hotsauce]

Use a credit card. They have payment plans.

[Dr.Shadowds 🐉]

Valve isn't a bank, nor a credit card company, they don't even do loans, or lease, and it's very doubtful they will ever do this.

Originally posted by cSg|mc-Hotsauce:

Use a credit card. They have payment plans.

:qr:

^This. Credit card companines exisited for decade, and this is one of the reasons you can use their services to pay for your products, and just pay back your credit card overtime with interest.

[Drab]

Make your own plan.

It's called saving your money.

[cSg|mc-Hotsauce]

Money management issues always come to play during sales events. It's sad to see.

[VAC BANNED]

A lot of companies are getting on the flex pay or easy payment options for people. As big as steam is it seems it would make sense if they also did something that will only increase their potential revenue overtime. I think it’s a great suggestion that steam/valve should look into

[Satoru]

That’s what credit cards are for

[VAC BANNED]

Originally posted by Satoru:

That’s what credit cards are for

Credit cards have interest. The easy pay and flex payments don’t. They are short term loans on equipment for promise to pay. Normally directly routed to a debit card or bank account. So it’s not really the same thing.
But yes there is credit cards. And there are banks that do personal loans. There is money sharks that will loan you money. And there is the old tried and true method of saving. All the OP is saying is that there is also the suggestion he made out there with other vendors of goods. And steam is losing out on potential money because maybe people don’t want to use another option and the flex payment system basically makes you save for the item you want through force. And it’s penalty free basically. I know amazon also use to do this a while back but stopped for some reason.

[Dr.Shadowds 🐉]

Amazon used to do it, but you forgot they also charge you interested rate, or both interested rate, and late fee if you either don't pay in full for each time, or pay late, that how they were planning to make the trust, and investment back in the program. This stop due one of the many possible reasons such as scams by buyers/seller, distrust with the people not paying on time, or not willing to pay.

Now you have Amazon pushing with a credit card company such as master card.


Banks and credit cards always do interests rates, and can have fees, same with loan sharks. Anyone that does payment plan also have it as well, just need to learn to read the fine print. And in some stores that do those payment plans have the product cost extra but you wouldn't do the math immediately for how much X amount for X amount of weekly/monthly which if you did may see your spending more, it could even go outrageous when compare to buying new, or people that used credit card, or bank loans with bad rates, easily. I seen some try to sell slim PS4 for $700, compare to $300, they have pro version for $900, compare to $400, you can see the problem that some stores that do payment plans can jack up the price to get you to pay them more which you end up having less in the end.

Some people assume all credit card companies, or banks works all the same, which in fact do not, also need to compare, and read, there also money back program as well, again you just need to compare, and read.

[Satoru]

Originally posted by Sleepy:

Originally posted by Satoru:

That’s what credit cards are for

Credit cards have interest. The easy pay and flex payments don’t. They are short term loans on equipment for promise to pay. Normally directly routed to a debit card or bank account. So it’s not really the same thing.
But yes there is credit cards. And there are banks that do personal loans. There is money sharks that will loan you money. And there is the old tried and true method of saving. All the OP is saying is that there is also the suggestion he made out there with other vendors of goods. And steam is losing out on potential money because maybe people don’t want to use another option and the flex payment system basically makes you save for the item you want through force. And it’s penalty free basically. I know amazon also use to do this a while back but stopped for some reason.

note that no place just 'gives you money for free'

There is always a catch. The service has to make money, and it doesnt make money by not charging interest. They just hide your interest payment somewhere you can't see it. Plus by definition you are a high risk high flight high fraud demographic. So they are going to mitigate their risk accordingly. By charging you way way more fees that you'd ever see on a credit card. Just because you dont 'see' it as an interest charge, doesnt mean that doesn't exist. They get money from you one way or another. Its not magic.

[76561198407601200]

Originally posted by Sleepy:

Originally posted by Satoru:

That’s what credit cards are for

Credit cards have interest. The easy pay and flex payments don’t. They are short term loans on equipment for promise to pay. Normally directly routed to a debit card or bank account. So it’s not really the same thing.
But yes there is credit cards. And there are banks that do personal loans. There is money sharks that will loan you money. And there is the old tried and true method of saving. All the OP is saying is that there is also the suggestion he made out there with other vendors of goods. And steam is losing out on potential money because maybe people don’t want to use another option and the flex payment system basically makes you save for the item you want through force. And it’s penalty free basically. I know amazon also use to do this a while back but stopped for some reason.

Valve is losing potential money from those who will pay enough to play which ever game they want (in op's case alyx) and refund the system. The reason op does not want to go through a credit card is that they don't want the actual responsibility of paying off that credit.

[Muffin]

Originally posted by cSg|mc-Hotsauce:

Use a credit card. They have payment plans.

:qr:

yay I love living in a country in which basically nothing is done with credit cards and american companies not taking us in account

[Brian9824]

Originally posted by Muffin:

Originally posted by cSg|mc-Hotsauce:

Use a credit card. They have payment plans.

:qr:

yay I love living in a country in which basically nothing is done with credit cards and american companies not taking us in account

Then save up your money. I mean basic fiscal sense is that if you can't afford it you shouldn't be buying it. Put aside some money for a few months and then buy it. I mean financial responsibility is up to YOU.

The laws regarding payment plans vary from country to country, steam sells basically 1 item that they could possibly use it for, and that item is selling well enough for them to not worry about it. It's not like they are a store that sells thousands of different high priced items.