What Is Mu Dowm Payment Witj Conns Yes Money
Conn's Credit Card
Overall carte du jour rating
ii.8
from Credit Karma members
Almost helpful positive review
Credit Karma Member
I walked in to Conn's with credit around the 550 mark. I compared pricing on Televisions at every major store. I plant a deal here on a Samsung 4k TV that was the exact same pricing at Wal-Mart and Best Buy. If yous practice your homework, they actually practice have some good deals here. I was approved for near $5000, but I merely spent most $750. With interest the Tv ended up beingness $950 over well-nigh 24 months. I paid it off in most a yr. I made all of my payments early or on-time and avoided whatever annoying phone calls or belatedly fees. I would recommend anyone doing a little bit of research before they walk into the store, and know what product or purchase range you would like to be in and then that you land a good price. Salespeople are pretty ambitious in Conn's (I'yard guessing because of the commissions), merely it'due south a peachy way to build credit, and finance article of furniture, appliances, or electronics if yous take poor credit. I would propose everyone to keep up with payments, because from everything I read, they aggressively pursue you when y'all're late on payments. Most of the negative feedback I read before walking into Conn'southward was centered effectually harrassment for late payments. Personally, I had no issues at all with Conn's because I made every payment on time.
Almost helpful negative review
Exist VERY Wary of theis Company
Credit Karma Member
Every bit I was just kickoff to rebuild my credit, I applied for credit at Conn'due south. Synchrony Fiscal, who provides the credit carte, turned me down, but I qualified for Conn'southward Yes Money finance programme, which offers 12 months same every bit greenbacks. With that, I purchased a couple pieces of much-needed piece of furniture. It was way overpriced, merely the trade-off was the opportunity to maintain a positive credit line. Because the Yes Coin plan is a secured loan--meaning that they can repo the merchandise if you don't pay--the buyer is required to purchase an accompanying insurance plan for the company's protection in case of consumer default. That's completely normal. My plan was to pay off the total amount within the 12 months considering after 12 months, involvement kicks in retroactively, meaning that you pay a very high interest charge per unit all the way back to the beginning and for 24 months later. For me, that would have meant paying more than than triple for the already overpriced article of furniture. I ended up paying off the full amount of the loan inside 11 months. I went to the shop to make my concluding payment, so that I could request a "Paid in Total" receipt. They assured me that I had indeed paid in full, simply that I would receive a letter in the mail service from corporate in a few days. It would show that the debt was satisfied, and that my balance was null. When I didn't receive that letter later on a couple weeks, I logged into my account online to see what was up. There, I found that my business relationship notwithstanding had an eight-dollar remainder. Then, I chosen to find out why. Apparently, when I paid off the account, Conn's had failed to cancel the insurance, so I was assessed another monthly premium just a few weeks before my 12-month marking. The rep I spoke with told me that if I were to ignore that $8, the clock would restart on my business relationship, and I would automatically owe 36 months of interest. However, she told me that because information technology was a "simple oversight", she could probably credit me the 8 dollars and and then, I'd receive my "Paid in Full" letter in a couple weeks. I decided Not to chance it, and I went online and paid that ****ed 8 bucks right then. I then chosen and made certain that the insurance on the account was definitely cancelled. While I have no proof that they tried to fox me, I'm HIGHLY SUSPICIOUS of them. Subsequently more than than a year, I never received the "Paid in Full" letter I was promised, but it does show paid and closed on my credit reports. If you tin avert Conn's Aye Money financing, I highly recommend that you do at all cost. Withal, if you practice accept the chance with them, make certain that you watch EVERY motility they brand. Conn's has always had the reputation of being a very sleazy visitor both to work for and to practice business with.
Fellow member ratings
All member reviews (thirteen)
v
0
0
4
4
con artists
Credit Karma Member
They lie to you. They put Insurance on products when you provide proof of coverage on your homeowners Insurance.
In store purchases merely
Credit Karma Member
It is rather easy to get an account with this company, but I have run into a snag. I was told, on the day of purchase, that my purchase qualified for a $300 rebate. I was told that I would receive an email afterwards my first payment directing me how to file for my rebate. It is now a month and a one-half later and of course, no email. And so I called them and they told me that I am past the date to file for the rebate. I explained the circumstances nether which I was told to file afterward I received an electronic mail from them. The rep opened upward a "ticket" to run into if they tin extend my claim fourth dimension. I was told it may have upwards to 72 hours for resolution. I told the rep that at that place would be only ONE resolution, or they tin come go the furniture back.
High *** interest
Credit Karma Fellow member
The sales person will call you like a loan shark calls for his money. Only once they go the product to you they don't answer your questions. No business organization for the customers.
CONN-Scam
Credit Karma Member
They rip you off, lie and do non honor their words.. Customer Service is the worst ever. Exercise NOT Buy FROM THEM. I will never ever do business with them again. Paying off as fast every bit I can and getting rid of them. Subconscious fees in contract...100 dollars
DON'T DO IT
Credit Karma Member
I didn't know they will report the total you owe as INCLUDING the involvement that MAY be charged. For example, I simply spent $2,500 but my credit report shows I owe over $4,000! I HATED MY ENTIRE EXPERIENCE WITH CONN'S. Practice yourself a favor and STAY Away FROM ANYTHING TO DO WITH CONN'S.
Never had any problems
Credit Karma Member
On my first visit to Conns, I only qualified for the Acceptance Now program. I purchased a Samsung 55 inch tv and paid it off in xc days. Went back in and purchased a Kamado Joe grill. This time I qualified for the Yes Money. Paid on it for about 7 months and went dorsum in and added a MacBook to my account. No problem at all. So recently, I found myself in need of a new refrigerator. I went into Conns and found what I wanted. Applied for it and this time, Synchrony approved me. Long story brusk. I accept nothing but good to say about Conns. I pay my bill on time every calendar month and have never had any event with them at all.
Be VERY Wary of theis Company
Credit Karma Member
Every bit I was just beginning to rebuild my credit, I applied for credit at Conn's. Synchrony Financial, who provides the credit carte, turned me down, only I qualified for Conn's Yes Coin finance programme, which offers 12 months aforementioned as cash. With that, I purchased a couple pieces of much-needed furniture. It was style overpriced, but the merchandise-off was the opportunity to maintain a positive credit line. Because the Yes Money plan is a secured loan--meaning that they can repo the merchandise if you don't pay--the buyer is required to purchase an accompanying insurance plan for the company'south protection in case of consumer default. That's completely normal. My program was to pay off the full corporeality inside the 12 months because after 12 months, interest kicks in retroactively, meaning that y'all pay a very high interest charge per unit all the way dorsum to the beginning and for 24 months afterward. For me, that would take meant paying more than triple for the already overpriced article of furniture. I concluded up paying off the full corporeality of the loan within 11 months. I went to the store to brand my last payment, so that I could asking a "Paid in Full" receipt. They assured me that I had indeed paid in total, but that I would receive a alphabetic character in the mail from corporate in a few days. It would show that the debt was satisfied, and that my rest was nil. When I didn't receive that letter after a couple weeks, I logged into my account online to come across what was up. There, I found that my account nonetheless had an 8-dollar balance. Then, I called to discover out why. Apparently, when I paid off the account, Conn'south had failed to abolish the insurance, so I was assessed some other monthly premium just a few weeks before my 12-month marker. The rep I spoke with told me that if I were to ignore that $8, the clock would restart on my account, and I would automatically owe 36 months of interest. Notwithstanding, she told me that considering it was a "simple oversight", she could probably credit me the eight dollars and so, I'd receive my "Paid in Full" alphabetic character in a couple weeks. I decided Not to hazard it, and I went online and paid that ****ed 8 bucks right then. I and so called and made certain that the insurance on the account was definitely cancelled. While I have no proof that they tried to pull a fast one on me, I'm HIGHLY SUSPICIOUS of them. After more than a year, I never received the "Paid in Full" letter I was promised, only it does evidence paid and closed on my credit reports. If you lot can avoid Conn'south Yes Coin financing, I highly recommend that y'all do at all price. Notwithstanding, if you do take the adventure with them, make sure that y'all watch EVERY move they make. Conn'southward has always had the reputation of being a very sleazy visitor both to work for and to do business with.
Credit Karma Member
I walked in to Conn's with credit around the 550 mark. I compared pricing on Televisions at every major store. I institute a deal here on a Samsung 4k TV that was the verbal same pricing at Wal-Mart and Best Buy. If you do your homework, they actually do accept some good deals here. I was canonical for nigh $5000, only I simply spent virtually $750. With interest the TV ended upwards beingness $950 over nigh 24 months. I paid it off in about a year. I made all of my payments early on or on-time and avoided any annoying phone calls or tardily fees. I would recommend anyone doing a trivial flake of research earlier they walk into the store, and know what product or buy range you lot would like to exist in so that you country a good price. Salespeople are pretty aggressive in Conn'due south (I'm guessing because of the commissions), only it's a keen mode to build credit, and finance furniture, appliances, or electronics if you accept poor credit. I would suggest everyone to keep up with payments, because from everything I read, they aggressively pursue you when you're belatedly on payments. Most of the negative feedback I read before walking into Conn's was centered effectually harrassment for belatedly payments. Personally, I had no issues at all with Conn's because I fabricated every payment on time.
NO account balance on my account
Credit Karma Fellow member
Why does conns non show an business relationship balance on my account. Why are they choosing to hide information technology????????????????????????
Love dealing with them!
Credit Karma Member
I was a picayune nervious about doing business with them, but permit me tell you, I am so happy i did! I got a preapproval letter of the alphabet for 2000 but when I actually applied I got 7000 credit with no downwardly payment and 12months involvement complimentary! I purchased about 3700 worth of stuff and fifty-fifty opted in for their insurance. My min payment was 179. Now, keep in mind that they are like near stores, the interest is close to 21%. So, I just set a petty extra aside each month and so I will exist able to pay it off in 12months and relieve a lot of money. I would def recommend them to anyone needing the items they offer and needing help with credit. They are a little higher on items but peachy. Again, overall I give them 5 stars! They made me feel welcome, took not bad care of me and I am very happy with my items!
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Source: https://www.creditkarma.com/reviews/credit-card/single/id/conns-credit-card
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