What's the difference? Take the 36 mos, pay it off in 24.Random question...Trying to preorder through Samsung with financing (with Verizon as the carrier) but the only option is for 36 months. When I reserved it showed 24 months as the only option. Am I missing something or just S.O.L.?
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I'd be willing to bet those doing the Samsung financing are in for a shocker of more than just a hard pull on their credit!
I've read where this is listed as a CFA (Consumer Finance Agreement) which drags down FICO scores way more than a simple line of credit or even store credit card! I'm all for x days same as cash, 0% APR over terms, et al. But CFAs are utter cancer to one's credit score.
I have had samsung fina. for while and maybe dropped my credit FICO score like 5 points, last sept when I bought the Note 10 plus, since has came back up where it was before.