Xbox All Access Payment Plan Will Be 'Critical' To Series X Launch

The all access thing seems good on paper but in practice it’s not

@WesEds why isn’t it good in practice

A lot of people just throw these big purchases on their credit cards, and pay a lot of interest on them without even realizing. Given how ridiculously high CC interest rates are, this is a lot cheaper for many than paying it over 3 months on a CC, much less paying it over the same period of time.

I tried applying for this at the time and was rejected even though I could pay for it. Game blamed Klarna, Klarna blamed Game. Was just awful. Just ended up buying an xbox a few weeks later during black friday. Also from what I remember with the amount they were requesting you earn you could just flat out buy the xbox one x without any issue.

"he hasn't provided any further details about when or how Xbox All Access will be incorporated into the Xbox Series X offering at launch".

They could make the option available on microsoft.com. I bought my Xbox One X on there.

Some say they will trade in their Xbox One, for me having just got a White Xbox One X in Feb I couldn't bare the thought of trading it in..
For one I never sell any purchased consoles/handhelds and two it just looks so beautiful... So any trade in program will have to pass me by, I will simply buy a Series X outright when I get it... My One X is going nowhere 😀

Yet another thing on long term monthly payments. Outright no.
0% interest is one thing, but paying for a console close to £500 in £18 instalments will take a long time to pay. Should your financial circumstance change? This could be bad news. If you can afford it, great. If not, never take credit for a non-essential item. Really bad financial habit to pick up and these guys are encouraging kids it’s a good thing.

@zane547 they have strict credit checks. People that qualify are unlikely to be missing on payments, and even if they do, the percentage of people that default is likely within expected ratios. The whole package also comes with Game Pass for the period, so they likely making their bigger profit there.

I also watched a YouTuber recently that for an XOX via the program, he seemed to imply he has an option of early upgrade to a XSX, too, by returning his XOX. MS definitively turns that around and sells it refurbished, for more revenue that covers risks in other areas.

That said: can’t say it’s bad for MS to offer this, the person that can’t pay for a console up front will likely be pressured at BestBuy or GameStop to apply for a visa credit line anyways, and that’s a much worse deal that also results in an open recurring credit line the people you mention are more likely to unconsciously abuse.

@Shinobi1Kenoby long time to pay but also includes Game Pass, that you would normally pay, what? $15? And likely will keep paying almost forever as it saves you money on actual game purchases?

@BANJO I got to say the XOX is the sleekest looking console I ever owned. I don’t mean cooler, just sleek. Discrete, small, not a jet engine... makes the PS4 Pro look ridiculous (big part of why I still play a basic PS4.)

I’m also a bit of a collector so I’m certainly keeping my XOX, ill likely keep it as a second room device.

I am likely keeping my Kinect-free XO also, although a bit tempted to gift it away to a friend that still has no current gen consoles...

@Tharsman Thank you for your view, I look at it and think no way am I trading you in... Im actually just about to get another 360, to good to refuse, 30 pound and boxed, basically as new.. I love to harbour past console's... (4 360's if I get it)
I will get a Series X, not at launch as I still have so much to catch up on being basically a Switch owner only for the past 3 years.... I will get it, but likely a year after launch on black Friday.....

@BANJO if it’s a 360 S or E rip their arm off! The original and elite models are still likely to red ring on you, though.

@Tharsman Very true, I am safe in my decisions..... I got a Dreamcast today, very happy😁😁😁

@BANJO nice. I still have my original Dreamcast in the box. Loved that machine. I keep imagining an alternate reality where Microsoft decided to buy Sega instead of starting Xbox. It was not Microsoft best time at managing purchases though, so it’s best they never did.

@BANJO Xbox One X is sleek, elegant, compact, quiet..

@Tharsman I agree about the payment plan, it's a great deal and I don't think that minors are allowed.

@Tharsman it is outright encouraging young generations to enter into credit agreements.
That is nothing but bad.

@Shinobi1Kenoby given how the economy works, creating a history of credit is almost as important as getting a driver license. Yes. You can get around without one, but you are economically crippled. Without having been exposed to credit usage and responsible payment history, you will never get a mortgage not a car loan, not any important loan you need for critical life situations. Hell you will even have to give potentially unaffordable deposits to get power turned on or open up a cellphone line (even if you bring your own phone.)

That being said: no one can get approved to one of these all access things unless you already have a history of credit, unless someone co-signs. To get into this program, you need to already be part of the responsible credit using world.

If you find that funny... well that says a lot.

@Tharsman 😂

@BANJO why would you keep a machine that is essentially the same as the new X? Surely it will just gather dust right?

@EquiinoxGII I only got it 3 month's ago, to me it's still relatively new...

@BANJO that's fair enough, each to their own mate, I just wouldn't want both personally as the new series X will play all the old Xbox one games at a better experience.. well you would like to think.

@EquiinoxGII You speak perfect sense, I just hoard my consoles I surpose. Alot of my reasoning dosen't make common sense..I also think time is a factor, for people who have had the Xbox One a few years now it seems so much easier to trade it in...

Yes i would love the Xbox series x all access pass. How can I sign up to pre order it?