Naturally, getting a Series X sooner or later was a no brainer. Citizens One will hit your credit to determine your terms, Your credit will initially drop when you close the account, and then rise thereafter, Late payments will be reported to credit bureaus and typically affect your credit score, Prompt on-time payments will boost your credit, Series X retail $499 + $360 (24 mo. Your rate depends on your creditworthiness. It is a total disaster and I have wasted hours on trying to figure this out. Microsoft is not extending credit and does not determine credit terms or eligibility. I got denied with a 650 score around the time the Series S/X released. If you make the payments on time your score may end up higher by the time your about halfway through paying. If a return is applicable to your purchase, and you return your Xbox All Access purchase, your account will be credited appropriately. Ill be the first to sing Game Pass Ultimates praises, since it gives you access to hundreds of games, for both download and streaming, including day-one Microsoft releases, such as Halo and Forza. By rejecting non-essential cookies, Reddit may still use certain cookies to ensure the proper functionality of our platform. Plan also includes Game Pass Ultimate, which lets you play hundreds of games instantly with no additional purchase. What is the Series x/s controller communication protocol when plugged in does it still transmit radio waves ? FREE Shipping. Source: Microsoft (Image credit: Source: Microsoft). 2023 GAMESPOT, A FANDOM COMPANY. Ive had UGP for years and have never paid full price for it. For starters, you should know that applying for a new credit card may temporarily lower your credit score by a few points. Can I return or cancel an Xbox console/bundle purchased with Xbox All Access? The duration of the Warranty remains the same regardless of length of financing. For example: the Xbox All Access agreement promises 0% APR and no late fees. He comes from a science writing background, having studied paleomammalogy, biological anthropology, and the history of science and technology. 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. Now, lets do a little math. 700 is by no means great, but you're still BSing. Image: Microsoft/Xbox. Xbox All Access is your all-inclusive Xbox pass, similar to the Xbox Live Gold. That's a $60 savings over MSRP if you bought the Series S and Game Pass subscriptions separately. Learn more at https://xbox.com/gamepass. 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 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 Marshall Honorof is a senior editor for Tom's Guide, overseeing the site's coverage of gaming hardware and software. Xbox All Access is basically a credit loan you pay back over time. For more information, please see our Whatever balance is recorded on your statement date, is what's reported to the bureaus to determine your score. 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. 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. All Clinic Customer Service Registry Gift Cards Pharmacy Sell Computers Video Games Home Improvement Health & Household Luxury Stores Shop Microsoft Xbox Xbox All Access + Follow Home Microsoft 365 Surface Windows Xbox New Releases XL Media, C/O FIRMSPACE 500 W 2ND ST SUITE 1900, Austin, TX 78701, United States. Heres how it works: You apply for a line of credit with Citizens Bank, much like you would for a credit card. The No. Should you need such advice, consult a licensed financial or tax advisor. I heard you need at least 690 fico. 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. Is there a catch? The Xbox All Access Bundle (the "Bundle") consists of all of the following elements: a) a qualified Xbox Series X console or Xbox Series S console (as denoted by retailer), b) a 24-month Xbox Game Pass Ultimate membership, and c) a Citizens Pay Line of Credit ("CO") to finance payments for the Bundle. However, theres an alternative to the blink-and-youll-miss-it restock madness, and its called Xbox All Access. If Microsoft approves a Refund Request, do you lose access to the game? 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. A Citizens One Line of Credit lets approved customers buy a console with Xbox All Access for a low monthly price and no upfront cost. Investment Calculator: How Much Will You Earn? Your account will allow you to load up to 36 months. 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. For the uninitiated, Xbox Game Pass is like Microsofts Netflix for games. Xbox All Access seems like a convenient, affordable way to start next-gen gaming. 1 Home Entertainment Tech Resource. Their only solution was a refund and take your chances on getting another one when/if they come back in stock. for the amount that has been paid. 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. For a better experience, please enable JavaScript in your browser before proceeding. Microsoft Microsoft Xbox All Access - Xbox Series X No reviews Check compatibility Call Play videos Color Black Price $34.99/mo Financed with affirm. By accepting all cookies, you agree to our use of cookies to deliver and maintain our services and site, improve the quality of Reddit, personalize Reddit content and advertising, and measure the effectiveness of advertising. But does it also show on your credit profile that a new account was opened as a line of credit? Get instant access to over 100 top-quality games for PC, console and online multiplayer. The problem is, they only refund for the console. A chief benefit of using a payment plan to purchase a gaming console and video game access is the low monthly cost. I keep seeing it pop up as available here or there and when I try to apply, it loads the not approved screen almost instantly. And if you plan on gaming online, Game pass isn't an option, it's a requirement. Whats the catch? If you have high debt then the hit will be bigger, but 800$ or whatever the All Access is shouldnt hurt you all that much. Signup for a Free Account. 1999-2023 Tweak Town Pty Ltd. All Rights Reserved. cheaper ways of enjoying Xbox, which Ill elaborate on in my personal take below. What the hell are you talking about? Play hundreds of games with Game Pass Ultimate on a brand-new console. However, it makes much more financial sense to just purchase the $499 console upfront and buy some Ultimate Game Pass codes on eBay. I wonder how even got my car. Even in a pandemic-stricken economy, $35 per month isnt a horrible price to pay. To illustrate, on BestBuy.com theres a listing for the $500 console and a listing for Xbox All Access. See our Privacy Policy & Disclaimer for more details. If you decide not to redeem them then, the offers remain on the console until theyre redeemed. Normally, buying the Xbox Series S and 2 years of Game Pass Ultimate would cost you around $658.76. This content is not provided or commissioned by the bank, credit card issuer, or other advertiser. To redeem during initial setup: Find out more about redeeming Xbox Game Pass Ultimate digitally. Read on to find out whether you should apply for All Access, or hold out for a more traditional restock. Once again, financing your next-gen Xbox will actually save you money versus paying cash, albeit less this time (around $20). Does anyone know what the score requirements are? What is Xbox All Access? "If you have a credit card with a limit of $10,000 and you owe $3,500 on it, that's 35% utilization," he notes. However, youre going to lock yourself into a long contract, and may wind up saddled with services you dont want or need. Over 50% will have a definite negative impact on a credit score, and a maxed-out card will very negatively impact the score." Finance a Series X on a new, 0% APR rewards card with a $150 signup bonus: ($500 + 8% tax) $150 = $390, 2. How Much Do You Need To Have Saved For Retirement? To summarize, heres how you can get the Xbox All Access experience for half off: 1. Xbox All Access seems like a convenient, affordable way to start next-gen gaming. With Xbox All Access, you are purchasing the console and the entire 24-month Xbox Game Pass Ultimate membership from the retailer at the time of purchase. If you keep your Xbox All Access past 30 days, youre basically stuck with $34.99 monthly payments for two years. This site may be compensated through the bank, credit card issuer, or other advertiser. You don't have to save up funds to purchase your console outright. As such, youre essentially getting $860 worth of goods for $840. Xbox All Access provides a new console plus 24 months of games and multiplayer for a simple monthly price. Who Pays the Most For Video Game and DVD Trade-Ins? What happens to my Xbox Game Pass Ultimate membership if I return my Xbox All Access purchase? Game Pass Ultimate) =, Series S retail $299 + $360 (24 mo. Source: eBay listing by seller momogamingtech. With the best possible terms at $25/mo. Disclaimer: The content on this site is for informational and educational purposes only and should not be construed as professional financial advice. Derek is absorbed with the intersection of technology and gaming, and is always looking forward to new advancements. Whats the catch? * Prices last scanned on 3/3/2023 at 10:31 pm CST - prices may not be accurate, click links above for the latest price. Xbox All Access includes the console plus 24 months of Xbox Game Pass Ultimate which itself has received an impressive next-gen upgrade. Getting Xbox All Access requires you to first be approved for a line of credit. If your console malfunctions after that one-year period (or your controller or accessories malfunction after 90 days), you would be responsible. --The Sandman. It can be extremely enticing not having to worry about all of the money upfront, but just remember that youll have either $24.99 or $34.99 coming out of your bank account each month for the next 24 months. Warranty: your console and controller/accessories are under Microsofts Limited Hardware Warranty The initial credit check might drop it a couple points. Care to explain how it's a rip off to sign up for Xbox All Access? Simple: you can get Ultimate Game Pass way cheaper. There are always tons of sellers offering them, and you can sometimes find one-month codes for as little as $3. 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. You have to apply in-store at retailers like Walmart, Target, Best Buy, GameStop, and the Microsoft Store. "Somewhere beyond right and wrong, there is a garden. Does the 24-month Xbox Game Pass Ultimate membership have to go to whoever bought Xbox All Access? please start by selecting Reset and keep my games & apps. To check your prepaid balance, go to https://account.microsoft.com/services/. As a reminder, Xbox Game Pass Ultimate includes Game Pass, Game Pass for PC, and Xbox Live Gold, which enables online multiplayer. "Can't wait to count out your coin!" you money versus paying cash, albeit less this time (around $20). It's financing, which requires a credit check. Play together with friends and join the greatest community of gamers on the most advanced multiplayer network. All-Digital and Disc-Free: Go all-digital and enjoy disc-free, next-gen gaming with the smallest Xbox console ever made. 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. I saw somewhere that it gets paused while I'm on the access plan and then picked back up on the tail end? Yep, youre basically mortgaging your Xbox. Came in the mail 2 or 3 days later. Xbox All Access costs $34.99/$24.99 per month for the Xbox Series X and S, respectively. The Xbox Series S is where the savings really kick in, though. What exactly is the Xbox All Access plan and how does it work? Citizens Pay Line of Credit Account offered by Citizens Bank, N.A. When you enroll in Xbox All Access, Microsoft opens a line of credit for you from Citizens One bank. There's no hard credit check, which means your credit report won't be affected. 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. For purchases of Xbox All Access through Verizon, financing provided by Affirm and is subject to individual credit approval. Total Cost: $839.76. For this reason, it is recommended you do not download any games until your account is verified. Payment through Affirm is provided by these lending partners. Learn more at https://www.xbox.com/xbox-game-pass. I think my credit score is 802. You will not incur any additional costs if you miss the $35 monthly payment for any of the 24 months in the contract. Of course, Xbox All Access is only good if it is actually available in your country. Thinking about getting a second system. Powered by Xenforo, Hosted by Nimbus Hosting, Original design Critical Media Ltd. No, with Xbox All Access there are no extra costs and 0% APR for 24 months.^. NOBODY seems to have responsibility for helping the customer. Anyone who has this program already and know this, I would appreciate an insight. 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. https://support.microsoft.com/warranty. 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. 2 games that would otherwise cost you $70 to buy on release day are launching on Game Pass. There are. Can I join Xbox All Access if I'm an existing Xbox Game Pass member? 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. Heres a quick recap of the difference between consoles: Struggling to choose between Series S and X? And, of course, if you're okay with being locked into a digital-only console. You cannot cancel your membership and reduce your monthly payment. Ionno I guess living on the edge is starting to hurt me. If that's your only card, then you're at 32%+ utilization with that $800+ purchase. Visit a participating retailer online or in store to join Xbox All Access today. Thats honestly pretty amazing, considering financing virtually every other asset on the market (home, car, etc.) Check back soon as were continuing to add more retailers. See Ultimate terms at: Get it as soon as Wed, Aug 3. In short, if you are comfortable applying for a new line of credit, you are absolutely certain you can spend $35 per month for the next 24 months, and you want two years worth of Xbox Game Pass Ultimate, then Xbox All Access makes sense. How much you pay every month depends on your credit. Xbox All Access is basically a financing option that charges you $35 a month for two years. If you can't hit that cut . be returned within 30 days (or less, if the retailers return period is shorter). Thirty-five dollars per month for 24 months comes out to $840 overall. You can try out and play a wide variety of games you don't have to go out and buy or borrow. The ultimate financing is provided by Citizens Financial Group. Sony A95L QD-OLED, X95L MINI LED And Full BRAVIA Range For 2023 (In-Depth Interview). Your credit score could also take a hit if that happens. Or maybe youre totally new to console gaming. 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. 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 even purchased the Xbox 360 and Xbox One on launch day. Its worth noting too that Xbox All Access, like other financing opportunities, is subject to a credit approval of 630 and above. Simply subscribing at full price each month is not the most cost-effective way to join. Pros You get access to Series S and X consoles if you are short of cash and have 24 months to pay for them. As such, if you fail to pay the full amount after 24 months, Citizens Bank can (and most likely will) start tacking on as much interest and as many administrative fees as it can get away with. Xbox All Access gives you everything you need to get into gaming with Xbox - not only an Xbox Series X or Xbox Series S console, but also a library of over 100 high-quality games for console, PC, phones, and tablets with 24-months of Xbox Game Pass Ultimate included. If you pay it off with in 90 days you only owe for the face value + $80. Please note, monthly payments will continue Responses have not been reviewed, approved or otherwise endorsed by the bank advertiser. In fact, the purchase does not even appear in your Walmart order history. Game Pass Ultimate, Xbox Series S + 24 mo. To enroll in the latter, you simply add it to your cart and buy it. No credit check either all you need is a bank that they accept. I was wondering if anyone here has applied for the Xbox all access? Liftforward has no customer service as far as I can tell. Press question mark to learn the rest of the keyboard shortcuts. If you do qualify, the credit check will result in an inquiry that may impact your credit report. 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. for 24 months.^ Get it all. Didn't find much DPs on Citizens One Line of Credit so thought I would post this. As long as you do that, Citizens Bank should be happy with you, and you should be happy with your Xbox. Heres how it works. 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. No. Learn more Joining Xbox All Access is easy: 1. 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. Xbox All Access has everything you need to experience next-gen gaming. 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. why guess would be minimum 600's but with a decent length of history for ID verification purposes. Xbox Game Pass Ultimate membership, and will be added to your Xbox Game Pass Ultimate membership up to a maximum of 36 months. So if you enroll in Xbox All Access, youll actually end up saving around $63 versus purchasing the console and Xbox Game Pass Ultimate separately. 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. You are using an out of date browser. Your digital content will be delivered directly to your console during set-up; no codes required No, anyone can redeem the membership on the console purchased with Xbox All Access. determine next steps. Choose your console Select an Xbox Series X or Xbox Series S console 2. The Xbox Series X console or Xbox . Of course, there are always different deals and things for Game Pass Ultimate (like the $1 deal going on at the time of publishing this article), which definitely changes things up. The current library features hundreds of Xbox, Xbox 360, and Xbox One games that you can download and play at your leisure as long as youre subscribed. The no. If you have high debt then the hit will be bigger, but 800$ or whatever the All Access is shouldnt hurt you all that much. XBOX ALL ACCESS 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. 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. With that out of the way, lets jump right in! A fan-based community featuring the latest Xbox platform news! 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. Xbox Series X, stutter/frame rate issue and most troubleshooting attempted. (On the other hand, if it accepts your application, your credit score could improve by paying a small debt each month, so your mileage may vary.). You cant downgrade from Ultimate to regular Game Pass, for example, or cancel it within 24 months for a partial refund. This Line of Credit offers you a fixed interest rate of 0% APR for 24 months. Furthermore, if you miss a payment, you supposedly wont face any additional fees or interest at least for the first two years. "Anything over 35% is considered high and can [negatively] impact credit scores. Its worth noting too that Xbox All Access, like other financing opportunities, is subject to a credit approval of 630 and above. At the moment, you can still buy 12 month digital access codes for Xbox Gold. From that perspective, Xbox All Access is a good deal. Nor can you add an extended warranty on your console. Pay with ease. The Microsoft Limited Warranty covers the Xbox console for one year (90 days for the controller and accessories), irrespective My credit score was about 820 at time of approval. You will be unable to redeem And there's no need to wait for your current membership to expire. Can I combine Xbox All Access with any other promotional offers? 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. So I am thinking about grabbing an Xbox this year and was intrigued by the all access program. JavaScript is disabled. Reddit and its partners use cookies and similar technologies to provide you with a better experience. Game Pass . We may earn an affiliate commission. Theyve also made enrolling in Xbox All Access extremely easy; its basically the same as purchasing a console with cash, the only difference being how much money youre charged and when.
02 40 14 36 22