Quote:
Originally Posted by PepsiFree
As I pointed out, even in the scenario where you would buy the XSX and Ultimate, that can be had for cheaper and save you more than the $50 without financing.
There are several scenarios where the financing will cost you more. Just buying 24 months of Xbox Live and then upgrading to Ultimate will save you $131, or $81 MORE than the financing will save you. And that's with basically zero effort.
For more effort, you can turn off auto-renew and buy the ultimate pass each month. Doing that this year would've saved you $64, and that's not considering what you might have saved in year 2.
I would agree that 0% and no admin fee for 24 months would be great, but there is always the catch with it, and in this case, the catch is that you're locked into a price which you could reduce further by taking advantage of any number of deals (which you lose access to with financing). In all likelihood, the "admin fee" here is realistically about $80.
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That's not an apples to apples comparison though. Person A buying an XSX outright and subscribing from day one to GamePass Ultimate and Person B doing the 24 month plan is apples to apples.
Can you get it cheaper by fiddling with subscriptions and doing the upgrade, of course you can. But doing it Person B's way is not more expensive than Person A's method until the console goes on sale in a retail store (provided the plan price isn't adjusted as the console's MSRP goes down). And that makes it pretty hard to make the argument that it 'preys' on lower income people as you did.