Buying a game over a period of time

[._e_n_g_i_n_e_e_r_.]

What I had in mind is installment payments.
To make it possible somehow,
i.e. paying for a game over few months before it's release date so anyone can afford new titles.
I mean anyone could do it by funding their wallet.
But is there a way of getting a game and paying for it afterwards, with some extra steps to make it fraud safe.

[Supafly]

Messaggio originale di ._e_n_g_i_n_e_e_r_.:

the 4 is the top most concern, i mean game copies don't not require physical resources to be built but the companies would still suffer economical loses giving away thousands or millions of copies for free or at the price of the first credit rate (if you have to pay it at the moment you claim the game), because of exploit of such service, the only questionis how to make it not exploitable and what would be the sacrifice every company would need to accept to make it work.
One way is to limit hte account features until paid the monthly rate.
Making fake accounts and issue new cards to be able to buy more games is more than obviously dumb if you are a thief.
But let's just say, you can't spend or buy games until you pay current rate which is overdue, and if you fail until the end of the month your account gets limited or locked until paid. Doesn't sound happy. I mean it's for serious people who respect other people's work.

Solutions to combat would be the usual. Which is pretty much as you described

1. Revoke the game just like they do if, for example purchased by credit card fraud
2. Permanently prevent accounts from buying games until the dispute with payment provider is settled, for example purchased by credit card fraud
3. Debt collectors
4. Credit rating negatively affected...If it sux it could prevent basic things like a phone/sim contract

In regards to 2 that would mean the person would have to pay for the complete game + any interest and other fees in order to settle it. Depending on how long since they made the transaction they could end up having to pay 2+ times the original price of the game.

Such a lot of work for something not very expensive.

Maybe use Paypal and it's credit system for your purchases

[Start_Running]

Messaggio originale di ._e_n_g_i_n_e_e_r_.:

Messaggio originale di Start_Running:

I suppose one way to make it work is to have it so that you cannot purchase , or activate any games on steam until you've cleared that amount You will also not have the use of the market YIOu may have no more than one game at a time this way and publishers are free to opt out of the scheme.

i guess opting out is a choice, and i don't see games under and around $20 in this programme, just less affordable full priced newest titles

On the contrary it's those expensive games that are least likely to opt in. After all. That's when the dev/p[ubs make bag. If you don't have the cash then tough. They want your money and they want it now. Just like you want the game now.

And honestly. if you have the rig to ruibn those brand new AAA games.. you have the money. JUst budget yourspending and plan. It's not like major releases arent announced literally months if not a year or more in advance.

So the pay in parts thing exists already m8. Its called the steam wallet. You pat in little by little and when you have enough. You buy the game. If you still want to. That's the beauty of it. if you happen to change your mind about the game..you can put the money towards a different game. Bonus.

Because here's the thing with layaways and hire purchase. YOu're going to be reasonably paying MORE than the upfront purchase. SO instead of paying $60 you;'ll be paying $80 or $90.

[._e_n_g_i_n_e_e_r_.]

Messaggio originale di Supafly:

Messaggio originale di ._e_n_g_i_n_e_e_r_.:

the 4 is the top most concern, i mean game copies don't not require physical resources to be built but the companies would still suffer economical loses giving away thousands or millions of copies for free or at the price of the first credit rate (if you have to pay it at the moment you claim the game), because of exploit of such service, the only questionis how to make it not exploitable and what would be the sacrifice every company would need to accept to make it work.
One way is to limit hte account features until paid the monthly rate.
Making fake accounts and issue new cards to be able to buy more games is more than obviously dumb if you are a thief.
But let's just say, you can't spend or buy games until you pay current rate which is overdue, and if you fail until the end of the month your account gets limited or locked until paid. Doesn't sound happy. I mean it's for serious people who respect other people's work.

Solutions to combat would be the usual. Which is pretty much as you described

1. Revoke the game just like they do if, for example purchased by credit card fraud
2. Permanently prevent accounts from buying games until the dispute with payment provider is settled, for example purchased by credit card fraud
3. Debt collectors
4. Credit rating negatively affected...If it sux it could prevent basic things like a phone/sim contract

In regards to 2 that would mean the person would have to pay for the complete game + any interest and other fees in order to settle it. Depending on how long since they made the transaction they could end up having to pay 2+ times the original price of the game.

Such a lot of work for something not very expensive.

Maybe use Paypal and it's credit system for your purchases

No I don't think overall fees/interest would be more than 5%, anything above shouldn't be acceptable.

Debt collectors is some people tying to put terror in this, doesn't come in question, overall game price shouldn't be much more than it's normal price in any scenario

Someone mentioned PayPal, I haven' tried, it might be a workaround or a solution

[Mad Scientist]

Messaggio originale di ._e_n_g_i_n_e_e_r_.:

No I don't think overall fees/interest would be more than 5%, anything above shouldn't be acceptable.

Many cards use an 18-27% interest in order to be certain people WILL pay it back, and will understand the difference between "I can afford this" and "I'll just pile up debt over time for luxury items". Low interest rate is usually for proven customers that treat the use of such cards with responsibility.

What you think shouldn't be acceptable, is simply acceptable because too many customers are too much of a risk. Stuff costs money especially when you involve collection parties.

Messaggio originale di ._e_n_g_i_n_e_e_r_.:

Debt collectors is some people tying to put terror in this, doesn't come in question, overall game price shouldn't be much more than it's normal price in any scenario

If you can't afford it and you use interest by not paying for it, then you're going to gain interest over time and a visit from a debt collector. Don't buy luxury items you can't afford. Slowly fill your Steam Wallet when more than able to and you don't have other, more important things to worry about like food, fuel, rent etc.

Messaggio originale di ._e_n_g_i_n_e_e_r_.:

Someone mentioned PayPal, I haven' tried, it might be a workaround or a solution

Do not treat payment over time as a workaround. You can either afford a game, or you cannot. Constantly showing poor financial decisions makes you a high-risk customer, with the associated fees/fines/interest and if you're extremely a risk; they can drop you as a customer while still making you pay everything you owe.

Credit payment over time is not for reckless spending.

[Brian9824]

Messaggio originale di ._e_n_g_i_n_e_e_r_.:

Messaggio originale di Supafly:

Solutions to combat would be the usual. Which is pretty much as you described

1. Revoke the game just like they do if, for example purchased by credit card fraud
2. Permanently prevent accounts from buying games until the dispute with payment provider is settled, for example purchased by credit card fraud
3. Debt collectors
4. Credit rating negatively affected...If it sux it could prevent basic things like a phone/sim contract

In regards to 2 that would mean the person would have to pay for the complete game + any interest and other fees in order to settle it. Depending on how long since they made the transaction they could end up having to pay 2+ times the original price of the game.

Such a lot of work for something not very expensive.

Maybe use Paypal and it's credit system for your purchases

No I don't think overall fees/interest would be more than 5%, anything above shouldn't be acceptable.

Debt collectors is some people tying to put terror in this, doesn't come in question, overall game price shouldn't be much more than it's normal price in any scenario

Someone mentioned PayPal, I haven' tried, it might be a workaround or a solution

Then you have no clue how those advance cash places work. There is a lot of risk involved so the fee's they charge are far above that of a credit card as they prey on those who can't use a credit card

Their rates can be 30% or even higher because they expect a fair number to default. Again use a credit card, and then make payments, or just save your money. No one is going to give you money at super low rates and hope you pay them back

[._e_n_g_i_n_e_e_r_.]

Messaggio originale di Mad Scientist:

Messaggio originale di ._e_n_g_i_n_e_e_r_.:

No I don't think overall fees/interest would be more than 5%, anything above shouldn't be acceptable.

Many cards use an 18-27% interest in order to be certain people WILL pay it back, and will understand the difference between "I can afford this" and "I'll just pile up debt over time for luxury items". Low interest rate is usually for proven customers that treat the use of such cards with responsibility.

What you think shouldn't be acceptable, is simply acceptable because too many customers are too much of a risk. Stuff costs money especially when you involve collection parties.

Messaggio originale di ._e_n_g_i_n_e_e_r_.:

Debt collectors is some people tying to put terror in this, doesn't come in question, overall game price shouldn't be much more than it's normal price in any scenario

If you can't afford it and you use interest by not paying for it, then you're going to gain interest over time and a visit from a debt collector. Don't buy luxury items you can't afford. Slowly fill your Steam Wallet when more than able to and you don't have other, more important things to worry about like food, fuel, rent etc.

Messaggio originale di ._e_n_g_i_n_e_e_r_.:

Someone mentioned PayPal, I haven' tried, it might be a workaround or a solution

Do not treat payment over time as a workaround. You can either afford a game, or you cannot. Constantly showing poor financial decisions makes you a high-risk customer, with the associated fees/fines/interest and if you're extremely a risk; they can drop you as a customer while still making you pay everything you owe.

Credit payment over time is not for reckless spending.

Endless debts would literally trigger a war in world, so NO.
Nobody wants to lose house over an unpaid game on Steam that's worth $60. You can buy one game at a time by that method and that's it, and it can't get much more expensive than its original price, not more than 5%.

I meant as workaround to this actual thing, payment over time on Steam

[._e_n_g_i_n_e_e_r_.]

There was a thing on Dropbox when you connect a phone account you get few extra gigabytes, but for a limited time, and I spent all the free space with that bonus. I'm still getting messages to "do something" xd and year after year they kind of "you need to do something asap", "OKAY NOW!", "it's end of the world, quickly!!" (not exactly..just me) but they are not frequent and I'm not annoyed but I stopped using Dropbox and if I need it again I'd probably "do something" lol

[The Presence]

Messaggio originale di ._e_n_g_i_n_e_e_r_.:

Messaggio originale di The Presence:

If games are not a priority for you then why make this thread? You should focus on getting a job, instead of wanting loans to get games when they release just because you want to have them but cannot afford it right away.

Don't get me wrong, i do like games, but I'm not a streamer, it's their job and that's okay,
But I'm like a customer, and collecting games that appeal to me even if being overpriced

What did that have to do with what I said? You want something now when you're financially unable of paying for it, so you want a loan.

Messaggio originale di ._e_n_g_i_n_e_e_r_.:

I wrote that first then realized there is wallet that canbe used for such purpose, thencorrected myself but left it so because it's not the same, similar but not same, limits you to spend money on anything else

Planning ahead and putting a small amount of money on your Steam Wallet ahead of time is much better than wanting a loan.

[Mad Scientist]

Messaggio originale di ._e_n_g_i_n_e_e_r_.:

Endless debts would literally trigger a war in world, so NO.

Countries in that position are just very poor and collapsed, it causes hardship, not war.

Messaggio originale di ._e_n_g_i_n_e_e_r_.:

Nobody wants to lose house over an unpaid game on Steam that's worth $60. You can buy one game at a time by that method and that's it, and it can't get much more expensive than its original price, not more than 5%.

Then don't buy what you can't afford.
As for the "not more than 5%"; if you're a risk, and the bigger risk you are - you're going to have more interest. Institutions can drop you as a customer and send you the bill, others will outright refuse to let you bank with them, and loan agencies if you show immense financial responsibility will also decline you, or severely limit the amount while putting a huge interest and possible collateral for your loan.

Messaggio originale di ._e_n_g_i_n_e_e_r_.:

I meant as workaround to this actual thing, payment over time on Steam

They're not a bank & they're not gonna go out of their way to get certification/accreditation/insurance etc. They're a video game store, they sell video games. They are NOT a bank. If you can't afford the game, don't buy it. You should always have a fairly good "don't touch this unless something goes wrong" reserve, such as unexpected vehicle maintenance, issues with the home needing repairs/replacement, other expected unfortunate things as an adult to plan ahead for when possible.

Games are a LUXURY. Get a reserve for if something goes wrong or hardship happens, don't keep yourself grossly in the negative in debt because you want a full price, unimportant, video game.

Wait for a sale, put $5 here/there when you can most definitely afford it, and buy when on sale.

[Pscht]

Are we done here anytime soon?

[BJWyler]

Messaggio originale di Pscht:

Are we done here anytime soon?

Unfortunately when people think they are entitled to get anything they want, when they want to get it, and how they want to get it, it is never done.

[._e_n_g_i_n_e_e_r_.]

Messaggio originale di Mad Scientist:

Messaggio originale di ._e_n_g_i_n_e_e_r_.:

Endless debts would literally trigger a war in world, so NO.

Countries in that position are just very poor and collapsed, it causes hardship, not war.

Generally nobody would accept to be robbed like that, no matter where you live.

[Supafly]

Messaggio originale di ._e_n_g_i_n_e_e_r_.:

Endless debts would literally trigger a war in world, so NO.

You do realise that every country is in Debt?

[Satoru]

Messaggio originale di Supafly:

Messaggio originale di ._e_n_g_i_n_e_e_r_.:

Endless debts would literally trigger a war in world, so NO.

You do realise that every country is in Debt?

I think people sort of misunderstand what debt means from a country perspective. For example many people are quick to say “China owns the USA because it has most of USA debt”. Countries debt don’t work like personal debt. The USA goes “hey we want to fund a giant expensive project let’s sell some bonds to fund it”. The point is other counties know the USA will pay them back. It’s also telling that even though USA bonds has a tiny minuscule return of like 1% countries were tripping over themselves to buy USA bonds.

China in particular has to buy them in order to keep the yuan low. The USA “debt” to China is not a sign of weakness of the USA. It’s the other way around.

Also if an American buys us bonds that is also “debt” but no one thinks this is “bad”

A country being in debt, by itself without context, has no meaning. Basically every country is “in debt”. But the USA or German debt is EXTREMELY different than say Greece

[Start_Running]

Basically at certain scales. debt is a positive thing. But at the level of the individual.. yeah it's not good.

Messaggio originale di ._e_n_g_i_n_e_e_r_.:

Endles debts would literally trigger a war in world, so NO

Quite the opposite actually. It's the interconnected web of debts that has resulted in what has been the continued period of relative international peace. If you go to a war against a country that opwes you money, You get nothing but a reconstruction bill.

Messaggio originale di ._e_n_g_i_n_e_e_r_.:

Nobody wants to lose house over an unpaid game on Steam that's worth $60.

You'd be surprised how quickly interest can ramp up on things. To be fair they'd likely just garnish your salary/wages so you'd just have less money coming into your pocket.

Messaggio originale di ._e_n_g_i_n_e_e_r_.:

You can buy one game at a time by that method and that's it, and it can't get much more expensive than its original price, not more than 5%.

Yeah nah brah it's gonna be more than 5 5% wouldn't even cover the extra cost of processing the structured payment. And you'd already be considered a high risk loan just based on the fact that you need the loan.

If your income and financial planning are so bad that you can't afford $60...yeah no one's gonna take that chance .

As said. Games are announced literally months ahead of release. YOu must be able to find $10 a month.. i mean you could likely get that from just walking a few blocks every day and keeping an eye for dropped change.

Add that to your steam wallet and every 6 months you get to buy a shiny new game at launch day.