I saw somewhere that it gets paused while I'm on the access plan and then picked back up on the tail end? Do you often feel that expansions and DLC release way too late? Verizon is pleased to be partnering with Affirm and Xbox to offer Verizon customers the option to purchase Xbox All Access for a low monthly price, no upfront cost, and 0% APR for 24 months to qualifying customers.*. Your credit score could also take a hit if that happens. Responses have not been reviewed, approved or otherwise endorsed by the bank advertiser. But making the payments on time will raise your score and make your overall credit profile more appealing to lenders. As a reminder, Xbox Game Pass Ultimate includes Game Pass, Game Pass for PC, and Xbox Live Gold, which enables online multiplayer. What is Xbox Game Pass Ultimate and what are its benefits? Whats the catch? For this reason, it is recommended you do not download any games until your account is verified. But, as far as I can tell, if you pay $35 on time each month, for 24 months, there are no additional costs. We are here to support you if you need an advice on closing/opening a credit card, improving your credit scores, removing inaccurate information from your report, qualifying for a new card/mortgage/loan, investigating unknown information on your report and much more. CRedit's main goal is to improve your credit, keep it healthy, and support you in decisions that you make that may affect your credit livelihood. 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. I read through the fine print on the Xbox All Access agreement with Citizens Bank, and I generally liked what I saw. (Image credit: Alex Van Aken | Shutterstock), expensive, inconvenient premium subscriptions, MWC 2023 live blog: OnePlus Pad, Lenovo rollable phones, Honor Magic5 Pro and latest news, F1 Bahrain Grand Prix live stream 2023 how to watch the race free online, ChatGPT AI on a smartphone? This Line of Credit offers you a fixed interest rate of 0% APR for 24 months. Should you need such advice, consult a licensed financial or tax advisor. However, theres an alternative to the blink-and-youll-miss-it restock madness, and its called Xbox All Access. Xbox All Access operates like your monthly phone plan. 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. My wifes boob job knocked me down 17 points thus month. Probably nothing too high, maybe 600-650 I would say. Reddit and its partners use cookies and similar technologies to provide you with a better experience. Furthermore, if youve never tried Xbox Game Pass Ultimate before, you may not need it or even like it. If you do qualify, the credit check will result in an inquiry that may impact your credit report. I like the idea of paying 35 a month and getting game pass for 2 years. Credit Cards Best Credit Cards The best credit cards of 2022 Best Rewards Credit Cards Best Cash Back Credit Cards Best Travel Rewards Credit Cards Best Balance Transfer Credit Cards Best Sign-Up Bonus Credit Cards Best Credit Cards For Young Adults Best Credit Cards For College Students Best By Credit Score Nothing significant. Furthermore, you can find the "Troubleshooting Login Issues" section which can answer your unresolved problems and equip you with a lot of relevant. It's basically the same as a phone plan and impacts your score the same way. Their only solution was a refund and take your chances on getting another one when/if they come back in stock. Derek is absorbed with the intersection of technology and gaming, and is always looking forward to new advancements. To redeem during initial setup: Find out more about redeeming Xbox Game Pass Ultimate digitally. 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. While we do our best to keep these updated, numbers stated on our site may differ from actual numbers. Source: Microsoft (Image credit: Source: Microsoft). What is Xbox All Access? They don't want new in the USA people buying these and selling them overseas. FIND A RETAILER PLAY VIDEO GET AN XBOX CONSOLE 1. The pre-qualification was a SP but they did do a HP on Equifax when I actually submitted the app. There's a lot of variables, but the short answer is yes, it's worth it for the Series S if you can get the best possible rate and plan to buy Game Pass Ultimate anyway. And what are some alternatives? Your 24-month Xbox Game Pass Ultimate membership is delivered directly to your console. $0 down, 0% APR is an impressive offer, especially considering that youll end up paying less to finance your new console plus Ultimate Game Pass than you would by purchasing those items separately. Then you can convert that into GPU on Xbox's website for either 1 buck or 14.99 when you sign up for GPU, Microsoft gives you the option to convert your Gold months 1:1 into GPU months. Your rate depends on your creditworthiness. Does the 24-month Xbox Game Pass Ultimate membership have to go to whoever bought Xbox All Access? We make every effort to maintain accurate information. All information is correct as usual (nothing has changed in around 12 years when it comes to address info). 3. I got rejected by citzens credit for an All access. 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. If you want an Xbox Series S, you can get one at GameStop for $300 (opens in new tab) right now.). There are five distinct categories that your credit score could fall into, ranging from poor to excellent. In case youre not familiar with it, Xbox All Access is essentially a financing option, but for a game console rather than a bigger purchase, such as a car or a house. Your rate depends on your creditworthiness. Unfinished Business Exotic quest - Destiny 2, How to get Polymorphic Shellcodes - Destiny 2, Lightfall Triumphs for Virtual Fighter Title - Destiny 2, Xbox All Access payment plan explained - Xbox Series X, Xbox Series S, United States Available at Best Buy, GameStop, Target, Microsoft Store, and Walmart. Repairs / Warranty / Hardware Troubleshooting. I want to get the XBSX on Xbox All Access. When you enroll in Xbox All Access, Microsoft opens a line of credit for you from Citizens One bank. Does "guaranteed" mean you get one when new stock is available and new stock is reserved for existing All-Access members who have not yet ordered? Anyone who has this program already and know this, I would appreciate an insight. Thank you for helping us bring Xbox All Access to the U.S later . You are using an out of date browser. The pros and cons of getting an Xbox Series X on Xbox All Access. Whatever balance is recorded on your statement date, is what's reported to the bureaus to determine your score. Probably not even worth applying if they do a hard pull. To summarize, heres how you can get the Xbox All Access experience for half off: 1. What exactly is the Xbox All Access plan and how does it work? The Xbox Series X is now available at GameStop through Microsoft's Xbox All Access financing program.. Plan also includes Game Pass Ultimate, which lets you play hundreds of games instantly with no additional purchase. As you set up your new console, youll be prompted to redeem the Digital Direct offers that come with it. Xbox Game Pass Ultimate memberships are limited to 36 months. Came in the mail 2 or 3 days later. In the US, Xbox All access finance is provided by Citizens One, so you need to open a Citizens One Line of Credit. Titles range from AAA heavy hitters like Halo, Gears of War, and The Witcher 3 to indie darlings like Hollow Knight and Untitled Goose Game (yep, thats its name). Xbox All Access has a 0% annual percentage rate (APR), meaning that you wont pay any additional interest on top of the $35 per month. Of course, there are always different deals and things for Game Pass Ultimate (like the $1 deal going on at the time of publishing this article), which definitely changes things up. Conversely, Xbox All Access is $300 over the base MSRP of an Xbox Series S. With the same terms at $35/mo. The idea is that you're taking out a loan to get your Xbox, so that Microsoft can offer an enticing deal without taking on financial risk. For the uninitiated, Xbox Game Pass is like Microsofts Netflix for games. No, anyone can redeem the membership on the console purchased with Xbox All Access. Here are the savings and prices for the Xbox Series X in the US with Xbox All Access: Monthly Cost: $34.99. Support said take it back where you bought it, so back to Best Buy we went. use the arrow keys to navigate through the pivots and tab to focus on focusable content inside a pivot section. In fact, it remains a solid deal as long as your credit is good enough to score you an APR less than 15%. For starters, you should know that applying for a new credit card may temporarily lower your credit score by a few points. So yes. will cost you money in interest. 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. Fifteen times 24 equals $360. for next-gen and everything it has to offer, Xbox All Access makes sense for you. Its worth noting too that Xbox All Access, like other financing opportunities, is subject to a credit approval of 630 and above. Total payment amount from $599.76; taxes, shipping, and other charges are extra and may vary (estimated retail price with Xbox Series S console; prices will vary by console and retailer). The Xbox Series S is where the savings really kick in, though. Things will really gear up with Project xCloud. Visit a participating retailer online or in store to join Xbox All Access today. Even if you sell your hardware, youll have to keep paying $35 each month for a console and gaming subscription you no longer have. Yeah I was at 585 like 2 weeks ago. Best of all, Microsoft is constantly adding titles to Game Pass. Your Xbox Series X|S is yours to enjoy forever. 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. If youve been playing your Xbox One for years and youre just ready for next-gen and everything it has to offer, Xbox All Access makes sense for you. Experience a huge variety of games from every genre and with games added all time, theres always something new to play. Of course, Xbox All Access is only good if it is actually available in your country. See retailer for details. Learn more about Xbox Game Pass Ultimate at https://xbox.com/gamepass. Score is 835, no marks on history, no other credit checks this year. Press question mark to learn the rest of the keyboard shortcuts. There's 0% Annual Percentage Rate, no money down, no late fee penalties. Dont get me wrong its awesome that they are offering this type of financing but I am going to gamestop to preorder and only putting $50 down then paying off the preorder every week till release. If that's your only card, then you're at 32%+ utilization with that $800+ purchase. We have no idea when Microsoft will run those kind of deals, though, and if youre looking for a guaranteed savings, then going with Xbox All Access is honestly a really good option. As Microsofts most powerful last-gen. console, the Xbox One X makes a compelling case for itself in a few ways: The Xbox One X already plays many of the best Xbox games in native 4K and/or 60 frames per second. Reddit and its partners use cookies and similar technologies to provide you with a better experience. "Let them call me renegade, I don't care!" balance is more than 12 months, please wait until your existing membership has a prepaid balance that is less than 12 months before redeeming the 24-month Ultimate membership through Xbox All Access. Please note, monthly payments will continue Heres how it works. please start by selecting Reset and keep my games & apps. We've crunched some numbers to see if Xbox All Access is actually worth it or not. Whats the catch? 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. 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. Normally, the . Xbox Live Gold and/or Game Pass memberships are converted to Xbox Game Pass Ultimate, Xbox Live Gold and other Game Pass memberships cannot be unconverted. Learn more at https://xbox.com/gamepass. If you decide not to redeem them then, the offers remain on the console until theyre redeemed. Microsoft says you can pay as low as $35 a month for an Xbox Series X, and as low as $25 a month for a Series S. That's only for well-qualified lendees. Does anyone here have it, if so what score was needed? Now can you translate that into English? Before we get started, though, we do want to point out that buying anything on credit comes with its own risks and responsibilities. There are always tons of sellers offering them, and you can sometimes find one-month codes for as little as $3. That's a smaller and more meager $20 savings over MSRP. why guess would be minimum 600's but with a decent length of history for ID verification purposes. Advertiser Disclosure: The offers that appear on this site are from companies from which MoneyUnder30 receives compensation. Europe's busiest forums, with independent news and expert reviews, for TVs, Home Cinema, Hi-Fi, Movies, Gaming, Tech and more. There's a minimum payment, and as we mentioned above, it'll vary from person to person depending on their individual credit. Start a game on your console and keep playing it from the cloud on a supported phone, tablet, or PC. If you have high debt then the hit will be bigger, but 800$ or whatever the All Access is shouldnt hurt you all that much. Xbox All Access can save you money in the long run, but only if you plan to buy Xbox Game Pass Ultimate anyway. As Microsofts most powerful last-genconsole, the Xbox One X makes a compelling case for itself in a few ways: Enrolling in Xbox All Access only makes sense if youre 100% certain youll want Ultimate Game Pass for the next 24 months. until the remaining balance for your Xbox All Access purchase is paid in full, even if your Xbox console is not working. Care to explain how it's a rip off to sign up for Xbox All Access? 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! If you dont need those options, you can buy a cheaper Xbox-only Game Pass subscription. If you have already made payments towards your Xbox All Access purchase, you will receive a check If you can't hit that cut . I have had about 5 new accounts, and Equifax had i think 3 hard pulls at time of application. If you make the payments on time your score may end up higher by the time your about halfway through paying. Joshua holds a Bachelor of Fine Arts in Creative Writing and has been exploring the world of video games for as long as he can remember. All Access is a way to pay for a Microsoft gaming console over 24 monthly installments of $24.99. Understanding Overdraft Protection and Fees, Best Companies For Student Loan Refinancing in 2022, How To File A FAFSA As An Independent Student. To figure this out, we did some quick calculations based on the best possible month-by-month payment terms. 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. Select an Xbox console. 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. 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. 1999-2023 Tweak Town Pty Ltd. All Rights Reserved. Cookie Notice 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. That was 2 weeks ago. 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. Xbox Game Pass Ultimate: 24-month subscription; game catalog varies over time, by region, by device. Complete upgrade purchase: Purchase Xbox Series X or Xbox Series S with Xbox All Access at Best Buy (subject to availability). The no. Enroll with ease Qualify and enjoy low monthly payments with nothing due today^ 3. What is the Series x/s controller communication protocol when plugged in does it still transmit radio waves ? Another option you can check is progressive leasing at Best Buy. Xbox All Access Financing and Citizens One Line of Credit Questions Get your FICO Score for free No credit card required Get Access Now All forum topics Previous Topic Next Topic Previous 1 2 3 Next Epic_Milk Established Member 09-29-2020 07:47 AM Re: Xbox All Access Financing and Citizens One Line of Credit Questions The program used to include the Xbox Series S (the faster version of the old Xbox One) but that option has since been discontinued. 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. Xbox Velocity Architecture: Experience next-gen speed and . You can go ahead and apply for the program now via Walmart, while there are still Xbox Series X consoles in stock. NOBODY seems to have responsibility for helping the customer. Enrolling in Xbox All Access is a commitment to pay $906.94 total over two years. Sure, $0 down, 0% APR sounds good, but is it worth it? 2 games that would otherwise cost you $70 to buy on release day are launching on Game Pass. Signup for a Free Account. How Much Do You Need To Have Saved For Retirement? More Buying Choices. Theyll need to verify your Xbox All Access account, console serial number and We cannot emphasize this enough, Xbox All Access is a contract and missing payments could negatively affect your credit score. Connect with friends via online multiplayer. Oof I was at 585 a few weeks ago, but then I paid a collection off. Furthermore, if you miss a payment, you supposedly wont face any additional fees or interest at least for the first two years. Redeem it during initial console setup or later in the Settings app. The $35 per month, no extra money deal also applies only for two years. 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. Can I combine Xbox All Access with any other promotional offers? I am going to assume theres a hard hit which is ok. https://www.citizensbank.com/xaa 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. Payment through Affirm is provided by these lending partners. Finance a Series X on a new, 0% APR rewards card with a $150 signup bonus: ($500 + 8% tax) $150 = $390, 2. 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). 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. Having some finance and demonstrating that you can manage credit, will be more beneficial than a negative. From the limited DPs I read this appears to be a . I have perfect credit, long credit history w/o any issues in the years, plenty of income, etc. 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. If your credit is bad or even if your credit is good, and Citizens Bank doesnt like the way your credit history looks it could deny your application. Money Under 30 compares the best tools for tracking your credit report and score. More Information: Xbox All Access: Get an Xbox Series S and Xbox game Pass Ultimate (sold separately), including over 100 high-quality games, with no upfront cost. Nor can you add an extended warranty on your console. Joining Xbox All Access is easy: 1. You should be fine as long as your credit isn't bad. You can try out and play a wide variety of games you don't have to go out and buy or borrow. Investment Calculator: How Much Will You Earn? Your digital content will be delivered directly to your console during set-up; no codes required Even if you did want Ultimate Game Pass for 24 months straight like with Xbox All Access, you can easily find two 12-month codes for ~$90 each (half off MSRP). Now that we've gotten that out of the way, let's talk about whether or not Xbox All Access is worth doing. Start here. 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). 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. All-Digital and Disc-Free: Go all-digital and enjoy disc-free, next-gen gaming with the smallest Xbox console ever made. You cant downgrade from Ultimate to regular Game Pass, for example, or cancel it within 24 months for a partial refund. before any promotions are applied 0% APR with Affirm Financing. Taxes may apply. Xbox All Access is basically a financing option that charges you $35 a month for two years. This option lets you discontinue Game Pass Ultimate at any time, and even if you stay subscribed for two straight years, youll save hundreds versus Xbox All Access. MoneyUnder30 does not include all companies or all offers available in the marketplace. Over 50% will have a definite negative impact on a credit score, and a maxed-out card will very negatively impact the score." To enroll in the latter, you simply add it to your cart and buy it. Xbox All Access May Be a Good Fit for You If, Xbox All Access May Not Be a Good Fit for You If. Xbox All Access is basically a credit loan you pay back over time. Explore rich new worlds with 12 teraflops of raw graphic processing power, DirectX ray tracing, a custom SSD, and 4K gaming.*. What all does that payment include? Which one should i buy? Hunting for Xbox Series X restocks right now is, charitably, an absolute nightmare. Tom's Guide is part of Future US Inc, an international media group and leading digital publisher. In all three cases, you might consider purchasing an Xbox One X instead of the Series X. Do I own the Xbox console purchased with Xbox All Access? See I can afford to pay off up to $600 (50-60/week) in 3 months so it really depends on you. ^With approval of Citizens Pay Line of Credit at 0% APR and 24-month term. If you don't qualify, your credit score will not be impacted. 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. 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 for one low monthly price. Read on to find out whether you should apply for All Access, or hold out for a more traditional restock. All in all, Xbox All Access is a great deal for those who don't mind making a monthly payment and have a decent credit score. Citizens One has to make money somewhere, so Im guessing that in lieu of interest theyre getting a nice kickback from Microsoft, who in turn is subsidizing the cost of Game Pass Ultimate. If I return my Xbox All Access purchase, do I need to take further action to cancel my monthly payment plan? Microsoft for Xbox All Access product or Xbox Game Pass activation questions; Amazon for questions related to making an Xbox All Access purchase on Amazon.com; Citizens One at 888-522-9881 for questions about financing or the credit application; We look forward to your feedback. Thats because you can buy 100% legit Ultimate Game Pass subscription codes on eBay for up to ~80% off MSRP. Considering the pandemic-stricken economy, pervasive student loans, and eye-watering inflation, $499 + $70 per game is a lot to invest in some 4K escapism. 2023 GAMESPOT, A FANDOM COMPANY. Xbox Series X, stutter/frame rate issue and most troubleshooting attempted. Yes! How do I redeem Xbox Game Pass Ultimate? You have to apply in-store at retailers like Walmart, Target, Best Buy, GameStop, and the Microsoft Store. I think my credit score is 802. xbox series X My credit score is like 700 but still got rejected. New comments cannot be posted and votes cannot be cast. For some gamers, pre-orders for Microsoft's Xbox Series X are being canceled, which is then affecting those people's credit scores. Everything you need for next-gen gaming Xbox All Access is your ultimate gaming bundle. This is what I want to know since I dont want an account showing on my credit profile, which will hurt my overall credit age. Once Microsoft started adding brand new, $70 AAA titles to the mix UGP instantly became the best deal in gaming. You can use All Access to purchase Xbox Series X or Series S hardware. Whether or not Xbox All Access is worth it comes down to three things: Is it feasible for your credit? When resetting your console,