• Report: #522848

Complaint Review: The Source By Circuit City

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  • Submitted: Thu, November 12, 2009
  • Updated: Thu, April 08, 2010

  • Reported By: V — Victoria British Columbia Canada
The Source By Circuit City
Nationwide United States of America

The Source By Circuit City Break their 1 year zero payment promises Canada, Nationwide

*UPDATE Employee: How the payment plans work

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I have bought a laptop with warrenty on the Source Credit Card that would allow me to have zero interest if i I pay off within one year, and there will be no monthly payment.


I go on using the card to buy other stuff and put money into the account so to pay off the recent purchase in thinking the laptop 1200 isn't due until one year later. Or that was the orginal promise i hope i was buying with the extra merchant fee that i was paying and warrenty fee etc.


They default my account say i haven't done paying my recent purchase.


I only got about 650 owing to the Source. And I thought i don't have to pay it down till a year later.


What's the whole point on joining the Source credit card and the 1 year warrenty promise if i have to pay interest/monthly payment after i pay almost half of the laptop already?


This ridiculous


This report was posted on Ripoff Report on 11/12/2009 01:30 AM and is a permanent record located here: http://www.ripoffreport.com/r/The-Source-By-Circuit-City/nationwide/The-Source-By-Circuit-City-Break-their-1-year-zero-payment-promises-Canada-Nationwide-522848. The posting time indicated is Arizona local time. Arizona does not observe daylight savings so the post time may be Mountain or Pacific depending on the time of year.

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REBUTTALS & REPLIES:
0Author 1Consumer 0Employee/Owner
Updates & Rebuttals

#1 UPDATE Employee

How the payment plans work

AUTHOR: Liam - (Canada)

Hello,

I am a sales associate in Ontario and would like to clarify how the payment plans work.  As well, The Source is not the company providing the financing, but rather a division of TD Bank.

First of all, the idea is that you put your laptop purchase on the card and don't charge anything else to it until that balance is paid off.  Any other charges won't be subject to that one year payment plan, and of course thats where things get tricky, and that is why I always advise to only use it for large purchases or for smaller purchases if the payment plan has been paid off.

Sadly, this isn't always made clear by the sales associate when you apply for the card, but I always clearly explain how the payment plans work before I run the application.  Of course, it is up to you after this point to keep it current.

I hope this helps you understand how the payment plans work

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