This payment plan, while optional, has raised a lot of questions for those looking to pick up the Xbox Series X or Xbox Series S when preorders go live on September 22, 2020. Yes! Xbox Series X, stutter/frame rate issue and most troubleshooting attempted. From the limited DPs I read this appears to be a . My credit snapshot: Credit lines: Over $600k total, highest credit line $80k, many at $25k+. The financing is through Citizens One, and here are the terms. It's OK unless you have an issue with the console. Will my credit be impacted when I apply for financing for my Xbox All Access purchase? No, anyone can redeem the membership on the console purchased with Xbox All Access. While were always looking for new ways to give gamers the best value and choice, right now you cant add other items such as Xbox accessories or extended warranties to be included in your Xbox All Access monthly payment at this time. Included are MSRP rates for the Xbox Series S ($299) and Xbox Series X ($499) as well as the month-by-month cost of Xbox Game Pass Ultimate ($15 a month, $180 a year, $360 every 2 years). Here are the savings and prices for the Xbox Series X in the US with Xbox All Access: Monthly Cost: $34.99. to Xbox Game Pass Ultimate, Xbox Live Gold and other Game Pass memberships cannot be unconverted. Create an account to follow your favorite communities and start taking part in conversations. ^ With no upfront cost, Xbox All Access has everything you need to experience next-gen gaming. Xbox All Access costs $34.99 and $24.99 per month for the Xbox Series X and S, respectively. General Disclaimer: See the online credit card application for details about terms and conditions. There are always tons of sellers offering them, and you can sometimes find one-month codes for as little as $3. For physical series x and Xbox one games what version of the game is on the disc? The purchase is subject to the retailers return policy. This Line of Credit offers you a fixed interest rate of 0% APR for 24 months. like most are saying, you will take a hit initially. The problem is, they only refund for the console. *Savings: based on Estimated Retail Price of Xbox Series S console and full price of 24 months of monthly Ultimate subscription sold separately; actual savings may Fifteen times 24 equals $360. Balance Transfer Calculator: How much can you save? If youre only interested in playing single player games or split-screen multiplayer, you might as well downgrade to Game Pass, which is just $9.99 per month. Europe's busiest forums, with independent news and expert reviews, for TVs, Home Cinema, Hi-Fi, Movies, Gaming, Tech and more. Over 50% will have a definite negative impact on a credit score, and a maxed-out card will very negatively impact the score." Xbox Series X On Xbox All Access. Xbox All Access is basically a credit loan you pay back over time. It's basically the same as a phone plan and impacts your score the same way. Nothing significant. Buy two 12-month Ultimate Game Pass Cards on eBay: $88 + 8% tax = $190. Understanding Overdraft Protection and Fees, Best Companies For Student Loan Refinancing in 2022, How To File A FAFSA As An Independent Student. If you have high debt then the hit will be bigger, but 800$ or whatever the All Access is shouldnt hurt you all that much. The Xbox Series X console or Xbox . But its important to remember that credit companies are excellent at hiding extra fees behind technicalities. ALL RIGHTS RESERVED. Oof I was at 585 a few weeks ago, but then I paid a collection off. Enjoy new games on day one from Bethesda Softworks, Xbox Game Studios, indie studios, and more. All of this is by careful design and this is just the beginning of Microsoft's evolved push. However, the agreement also claims that failure to pay on time could nullify promotional incentives and, in this case, those incentives include 0% APR and no late fees. https://www.verizon.com/gaming/xbox-all-access/. Was purchasing a treadmill through Sole, got pre-approved via a SP for a $3,000 LOC 12 months 0% APR and accepted it. Things will really gear up with Project xCloud. We've crunched some numbers to see if Xbox All Access is actually worth it or not. Xbox fans were already surprised when Microsoft dropped news about the Xbox Series S and Xbox Series X being priced at $299 and $499 respectfully. Is there a catch? 2. They don't want new in the USA people buying these and selling them overseas. Microsoft Microsoft Xbox All Access - Xbox Series X No reviews Check compatibility Call Play videos Color Black Price $34.99/mo Financed with affirm. Once Microsoft started adding brand new, $70 AAA titles to the mix UGP instantly became the best deal in gaming. Ive been doing this since 2018 and have never encountered a faulty code or had issues of any sort. AVForums.com is owned and operated by M2N Limited, "Somewhere beyond right and wrong, there is a garden. A chief benefit of using a payment plan to purchase a gaming console and video game access is the low monthly cost. So strange, but I get the idea that it is a stock issue that may be conflicting. No, with Xbox All Access there are no extra costs and 0% APR for 24 months.^. Heres a quick recap of the difference between consoles: Struggling to choose between Series S and X? Xbox All Access includes the console plus 24 months of Xbox Game Pass Ultimate which itself has received an impressive next-gen upgrade. See Ultimate terms at: Applying for a new credit score may temporarily lower your credit by a few points, and. Im including 8% sales tax, but the tax will differ depending on where you live. EA Play gives you access to a collection of EAs best-loved series and top titles on console and PC, exclusive in-game challenges and rewards, special member-only content, and early trials of select new games. Xbox Game Pass Ultimate memberships are limited to 36 months. Re: Xbox All Access Financing and Citizens One Line of Credit Questions. If you factor in the one-month free trial, you can have an Xbox Series X plus 24 months of non-Ultimate Game Pass for just $787 after taxes, a sizable ~$120 savings off of 24 months of Xbox All Access. Didn't find much DPs on Citizens One Line of Credit so thought I would post this. Taxes may apply. Start right away Your Xbox Game Pass Ultimate membership will be waiting for you on your new console Includes 24 months of Xbox Game Pass Ultimate That would mean you could be get the credit and wait months for stock while paying for something you don't own which seems pretty crap to me. Microsoft wanted $250 to replace it . Future US, Inc. Full 7th Floor, 130 West 42nd Street, Citizens One has no fees, but late payments may be reported to the. Xbox All Access is your all-inclusive Xbox pass, similar to the Xbox Live Gold. And since Ive recently gotten addicted to Assassins Creed: Odyssey, Ive just let my UGP subscription lapse. What else does it include? Whatever balance is recorded on your statement date, is what's reported to the bureaus to determine your score. Hunting for Xbox Series X restocks right now is, charitably, an absolute nightmare. Can I combine Xbox All Access with any other promotional offers? Considering that my last Xbox One X went and died a few months after the one year warranty was up despite not seeing heavy use, I would caution that it may be worth using a credit card with an extended warranty benefit over financing. Pros You get access to Series S and X consoles if you are short of cash and have 24 months to pay for them. It is not the bank advertiser's responsibility to ensure all posts and/or questions are answered. You can buy refurbished or pre-owned Xbox One X consoles for well under $300. Xbox Game Pass Ultimate membership, and will be added to your Xbox Game Pass Ultimate membership up to a maximum of 36 months. Xbox All Access pre-order problems Thought I got through on the pre-order for the Series X All Access, went through the credit app got approved, and was on the checkout screen. The initial credit check might drop it a couple points. If youre new to Xbox, theres a whole back catalog of high-quality games in the 2013-2020 generation waiting for you for less than half of what youd spend on next-gen. Financing your Xbox through Citizens One bank is like financing anything else it can help or hurt your credit score. I was wondering if anyone here has applied for the Xbox all access? So I was looking into the Xbox all access thing, and then I realized that it's based on a credit check. Klarna offers a flexible way to pay for smaller purchases. You cant downgrade from Ultimate to regular Game Pass, for example, or cancel it within 24 months for a partial refund. I got rejected by citzens credit for an All access. I read through the fine print on the Xbox All Access agreement with Citizens Bank, and I generally liked what I saw. cheaper ways of enjoying Xbox, which Ill elaborate on in my personal take below. Your all-inclusive pass to Xbox - Experience next-gen gaming with no upfront cost and everything you need to play. Chris helps people under 30 prosper - both financially and emotionally. Check back soon as were continuing to add more retailers. Its not a huge discount, but the important thing is that Citizens Bank isnt overcharging you, either. For $35 per month, youre guaranteed an Xbox Series X and, as I write this, it has been in stock at Walmart (opens in new tab) for the better part of a day. To illustrate, on BestBuy.com theres a. for Xbox All Access. 2 games that would otherwise cost you $70 to buy on release day are launching on Game Pass. No All-Access participating retailers seem to suggest there's perpetually reserved stock. Opinions expressed here are author's alone, not those of the bank, credit card issuer, or other advertiser, and have not been reviewed, approved or otherwise endorsed by the advertiser. 1. You can use All Access to purchase Xbox Series X or Series S hardware. Support said take it back where you bought it, so back to Best Buy we went. vary. Learn more The way they give away game pass to get you hooked Im sure they are fine losing a bit here. The Xbox Series X and Xbox Series S offer a nice package for gamers looking to get into next-gen gaming, and the Xbox All Access payment plan makes it even easier to jump right in. There's a minimum payment, and as we mentioned above, it'll vary from person to person depending on their individual credit. Get instant access to over 100 top-quality games for PC, console and online multiplayer. From that perspective, Xbox All Access is a good deal. Reddit and its partners use cookies and similar technologies to provide you with a better experience. https://support.microsoft.com/warranty. So you're stuck with the bill for the all access even though you no longer have a console and may not be able to get another one. for next-gen and everything it has to offer, Xbox All Access makes sense for you. Now can you translate that into English? Luckily, Microsoft still offers a program called Xbox All Access a financing program to make the new console experience appear more affordable. It's cool to see Microsoft offering some different ways for users to get their hands on the latest generation of Xbox consoles with a plan that isnt designed to gouge your bank account with high interest fees. To be perfectly honest, I was surprised to learn about the 0% APR, along with the lack of late fees and penalties. While it has an excellent library of games, those games rotate in and out frequently, meaning you might be better off just buying the games you want outright. Unbox your new console and start playing hundreds of games with Game Pass Ultimate its included with Xbox All Access. Select an Xbox Series X or Xbox Series S. Qualify and enjoy low monthly payments.^. Xbox All Access Financing and Citizens One Line of Credit Questions Well I was fully planning on staying in the Garden Club for a year, but Microsoft just announced details on the Xbox Series X and some improvements to Game Pass.both are included for a nice subscription price of $35 per month, for 24 months. Citizens Bank will have you on the hook for the next two years, and a lot can happen in that time. However, additional items can be purchased separately. Might also be worth checking a site like Experian to see if there are any issues with your file, address conflicts etc. This article provides details about Microsoft's Xbox All . User Generated Content Disclaimer: The comments below each article are not provided or commissioned by the bank advertiser. By accepting all cookies, you agree to our use of cookies to deliver and maintain our services and site, improve the quality of Reddit, personalize Reddit content and advertising, and measure the effectiveness of advertising. Simple: you can get Ultimate Game Pass way cheaper. The following criteria will be used to determine eligibility for upgrade purchase: You must have an existing Citizens Pay Line of Credit for Xbox All Access . They will run a hard pull on your credit. With over six years in games journalism under his belt, Derek aims to further engage the gaming sector while taking a peek under the tech that powers it. Came in the mail 2 or 3 days later. Because if you buy a Series X with, say, a Chase Freedom Flex, youll meet the $500 spending threshold for the $200 signup bonus and give yourself 18 months of 0% APR to pay it back. Yes, you own the Xbox console purchased with Xbox All Access. Available at participating retailers, who act as credit intermediaries. Granted, it's a good discount! warns that any late payments will be reported to credit bureaus, so be sure to set up autopay and notifications to prevent any disruptions in monthly payments. Normally, the . By accepting all cookies, you agree to our use of cookies to deliver and maintain our services and site, improve the quality of Reddit, personalize Reddit content and advertising, and measure the effectiveness of advertising. If I return my Xbox All Access purchase, do I need to take further action to cancel my monthly payment plan? Thankfully, Microsoft has quite a bit of availability when it comes to eligible countries and retailers, and heres a full list of what theyve released thus far: All in all, Xbox All Access is a great deal for those who dont mind making a monthly payment and have a decent credit score. By accepting all cookies, you agree to our use of cookies to deliver and maintain our services and site, improve the quality of Reddit, personalize Reddit content and advertising, and measure the effectiveness of advertising. The current library features hundreds of Xbox, Xbox 360, and Xbox One games that you can download and play at your leisure as long as youre subscribed. That's a smaller and more meager $20 savings over MSRP. Realistically, your best alternatives are tocough up the cash from your savings (steer clear of that emergency fund, though) or take advantage of a newcredit card sign up bonusto offset some of the cost. That screams "something is wrong with Citizen One's systemor an issue on Best Buy's side. Privacy Policy. 1 Home Entertainment Tech Resource. You apply for a line of. Conversely, Xbox All Access is $300 over the base MSRP of an Xbox Series S. With the same terms at $35/mo. Tom's Guide is part of Future US Inc, an international media group and leading digital publisher. Play thousands of games from four generations of Xbox with the next-gen console that fits your play style. Your 24-month Xbox Game Pass Ultimate membership is delivered directly to your console. Editorial Disclosure: This content is not provided or commissioned by the bank, credit card issuer, or other advertiser. If youve been playing your Xbox One for years and youre just. But if youre in the market for another card already, nows the time to get one. Having a good credit score can help you qualify for financial products at lower interest rates. For transparency, the chief drawbacks of the Money Under 30 method are: But if you ask me, I think its worth it to save $329! How does my score get impacted if I pay it off early, if its possible at all? You can pay $80 up front and lease the Xbox. But does it also show on your credit profile that a new account was opened as a line of credit? Check back soon as were continuing to add more retailers. If you go over 90 days you will have to pay over $1100 in a 12 month period. By rejecting non-essential cookies, Reddit may still use certain cookies to ensure the proper functionality of our platform. Personally, I would feel more comfortable buying a console outright, even if it meant I had to wait a few more months to get my hands on one. Your Xbox Game Pass Ultimate membership will be waiting for you on your new console. Game Pass Ultimate, NASA astronaut snaps 'absolutely unreal' photo of auroras surrounding Earth, Xbox Series X may enhance Xbox 360, OG Xbox games too, Xbox Series X's Smart Delivery may let you custom install games, Xbox Series X games are 'unlike anything you've ever seen before', Microsoft: Xbox Series X's real magic is hardware and software synergy, Xbox Series X 4K 60FPS made possible by Zen 2 CPU, says 3D Realms dev, Xbox Series X enhancement patches will upgrade current-gen games. View our Terms of Service I wonder how even got my car. However, it makes much more financial sense to just purchase the $499 console upfront and buy some Ultimate Game Pass codes on eBay. When you visit a participating retailer, you can expect the following steps to join Xbox All Access. Its a bit of a catch-22, and I dont know how Citizens would enforce it. Microsoft is not extending credit and does not determine credit terms or eligibility. This website uses the TMDb API but is not endorsed or certified by TMDb. However, after trying to look it up for 2 days, I can't find a recommended credit score. Your statutory rights under any applicable consumer laws are unaffected. Does Microsoft provide the financing for Xbox All Access? This program was specifically made to lock you into an ecosystem where you make systemic payments, and therefore are less likely to deter from that platform--incremental payments ensure long-term investment, which is what Microsoft cares about most--and a direct route to Game Pass, a service that features tons of online-driven monetized games. He hopes to one day explore the stars in No Man's Sky with the magic of VR. To check your prepaid balance, go to https://account.microsoft.com/services/. Learn more. However, the gaming giant went a step further to sweeten the deal, offering a special Xbox All Access plan, which allows you to make payments on your Xbox console over the course of 24 months. Game Pass Ultimate) =, Series S retail $299 + $360 (24 mo. Xbox All-Access Xbox One S All-Digital - $19.99 per Month; . According to Microsoft, you can return your Xbox All Access subscription to the retail store where you purchased it for a full refund of the payments youve made, but only within the retail stores return window (typically 30 days). |. Last edited: Dec 1, 2021 If youre already an Xbox Game Pass Ultimate member with a prepaid balance of less than 12 months, your current Ultimate time will stack with the 24 months of Ultimate that is included with Xbox All Access. Small drop at first followed by an increase if you pay on time etc. Financing available for your Xbox All Access - Xbox Series X purchase with PayPlan by RBC for $39.99 / month for 24 months at 0% APR with $0 due today. Now, lets do a little math. I can afford to pay off up to $600 (50-60/week) in 3 months so it really depends on you. TweakTown and its logo are registered trademarks. With Xbox All Access, though, you could pick up the Series S on a monthly payment plan, totaling out to around $599.76 after the two years is up. If you're already an Xbox Live Gold, EA Play or Xbox Game Pass member (Console or PC), any days remaining in your membership(s) will be converted to Xbox Game Pass Ultimate at a conversion ratio when you redeem the 24-month Loan Payoff Calculator: How Quickly Can You Repay Your Loan? If your console malfunctions after that one-year period (or your controller or accessories malfunction after 90 days), you would be responsible. It may not display this or other websites correctly. If Citizens likes your credit, it will provide an Xbox Series X, as well as a monthly Xbox Game Pass Ultimate subscription, and charge you $35 per month for them. Marshall Honorof is a senior editor for Tom's Guide, overseeing the site's coverage of gaming hardware and software. Xbox all access requires a payment of $34.99 per month for 24 months for the Series X bundle and $24.99 per month over the same timeframe for the Series S bundle. Citizens Financial says they are only the financing provider and cannot help (although I believe the woman I spoke with truly wanted to help and has documented the situation for when we end of having to fight over the monthly payments). Game Pass Ultimate, Xbox Series S + 24 mo. Sure, $0 down, 0% APR sounds good, but is it worth it? with more than 12 prepaid months of Xbox Game Pass Ultimate because an account can only have a maximum of 36 months at any time. Apply and qualify for low monthly payments with PayPlan by RBC, with no upfront cost. Learn more at https://www.xbox.com/xbox-game-pass. XBOX ALL ACCESS Your all-inclusive pass to Xbox Get an Xbox Series X or Xbox Series S console, plus 24 months of Xbox Game Pass Ultimate, from 20.99/mo. Is RetroArch still using internal SSD space even though my games are on an external USB HDD? Is Xbox All Access really as good of a deal as it sounds? Right now, as a Canadian, with a very good credit score and no blemishes on my record, try applying for this plan RBC flat out rejects me, almost instantly. How To Pay Medical Bills You Cant Afford, Auto Loan Interest Calculator: Monthly Payment & Total Cost. A fan-based community featuring the latest Xbox platform news! Heres how to get the Xbox All Access experience for half the price. Choose your console Select an Xbox Series X or Xbox Series S console 2. and you can enjoy some affordable, guilt-free 4K escapism. The biggest reason to avoid Xbox All Access, however, is that 24 months of Xbox Game Pass Ultimate at full price is incredibly expensive, and potentially unnecessary. References to products, offers, and rates from third party sites often change. Ive owned every Xbox since 2003. Everything you need for next-gen gaming Xbox All Access is your ultimate gaming bundle. Do I own the Xbox console purchased with Xbox All Access? Not to mention, Christmas sucked. With the best possible terms at $25/mo. It's a financing contract. For example: the Xbox All Access agreement promises 0% APR and no late fees. So Xbox All Access is not a good option if you just want to try next-gen gaming, since its a near-$1,000 financial commitment.