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Message Board > Sewing Machines > Bernina offer ( Moderated by Sharon1952, EleanorSews)

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Bernina offer
dfsews

dfsews  Friend of PR
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NE USA
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Date: 9/21/13 10:41 PM

Just got an email that with the Bernina credit card you can get 0% interest for 60 mos/5 yrs. The product has to be $4000 or more.

bestgrammy
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bestgrammy
OR USA
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In reply to dfsews <<
thumbsup 4 members like this.


Date: 9/22/13 1:31 AM

While not knowing specifically about this Bernina 0% interest offer...just want to suggest to read all the fine print. Most...if not all...free interest offers state that if a payment is late even one time...then all the interest from the entire beginning is put on the account...and the interest rate is quite high...so that becomes a whopping amount of $ put on the account...if for instance one had been paying on time for quite a while...even years...then was late just once which would make all the previous years of interest be added to the amount owed. It can be quite shocking to realize that the hard way...as in getting the bill with all that interest added on in one lump sum. And...with a credit card one is paying interest on the interest...so a never ending bill.

Artsewer
Artsewer  Friend of PR
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Date: 9/22/13 1:58 AM

It is always wise to read the fine print as mentioned.
One thing I have done when I have an outstanding debt like on my car, I put it on auto pay. The money is there I know it will be taken out but I dont have to worry if I forgot to pay it on time or not
or not!

------
Bernina 750Q, 635E, 380, Serger 1100DC

SandiMacD
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SandiMacD  Friend of PR
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Date: 9/22/13 5:09 AM

It is a money bank card by a third company. I had one for a zero interest Bernina and one for zero interest BL years ago. It was the same company GMB or GEMB or something like that.
Here's what I learned:
They sell your name, phone and email. Even if you do the opt-out (I did) they can still call and mail because you are their customer. I reported them and asked them to stop calling- no good until I moved.
They change the date due. If you set up auto pay you have to look closely at EVERY due date. The billing cycle can change by a day or 2 every month and they hit you up with a late fee.
If you charge anything else- like an accessory or foot, they separate the purchase and split your payment, usually so that you did not pay enough for the high interest deferment. On the next bill you will see an interest charge!
You cant easily get through. It is a phone tree and holding forever and dealing with frustrated folks on the other end following a script and saying they have no supervisor. So you get very little recourse.
In the end it is not worth it.
I paid mine in full in just 6 months the first time to get rid of the split payment for buying a secon item 2 mo later. I did not know the second time it was also a third party. They switched the billing cycle date earlier each time. I paid it off on month 4 but they called me weekly (tele-marketers ) for years with offers to lower my credit balance (it was zero!). I will never touch another zero finance again!

------
sewing brings joy and meaning to my life...

Sew Nanny
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Sew Nanny  Friend of PR
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Date: 9/22/13 7:46 AM

I've used my Bernina card a couple of times when they offer 0% interest and have always paid off early. You have to be very aware and beat them at their own game.

------
Patricia
Bernina 830LE ~ Bernina Artista 635LE ~ Juki MO-735
Bernina DesignerPlus 7

"It is better to light a candle than curse the darkness." Eleanor Roosevelt

sewfrequent

sewfrequent
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In reply to SandiMacD <<
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Date: 9/22/13 8:21 AM

Whoa nellie that sounds like entrapment to structure something like that designed to ensnare ppl in a world of hurt and pain. I've heard of this before and didn't realize they were still doing this bc i think its illegal, or should be.

grey ann
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grey ann  Friend of PR
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Date: 9/22/13 8:30 AM

Yes, be sure to read the fine print. But please don't blame Bernina. The offer is through GE Financial. And any 'no interest' offer has the same terms and surprises.
But for many people, this is an affordable way to buy a large purchase. I did the same - paid it off within a few months. I did not have any issues with other vendors contacting me. This was a few years ago, so maybe this has changed.

lgrande
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lgrande  Friend of PR
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MT USA
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Date: 9/22/13 8:38 AM

I used the GE zero interest card last year to buy my Bernina 830. I was (and still am) subjected to huge amounts of spam afterward.
FYI, They do appear to have changed their due-date policy because my payment was due the same day of every month.

------
Linda

Bernina 830LE
Brother Dreamweaver VQ3000
Bernina B530
Janome 6600P
Pfaff 1209
Babylock Evolution
Janome 644D

Maia B
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Maia B  Friend of PR
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IL USA
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thumbsup 1 member likes this.
Date: 9/22/13 10:30 AM

I haven't noticed any increase in spam since getting the Bernina card. Since my machine and frame bundle was subject to UMRP, using the card really did result in 0% interest at the lowest price. Leaving that cash in the bank turned out to be very beneficial when I was off work 2 mos due to pneumonia.

I am set up on auto pay, and I check on it every month. I'm ahead of schedule, it will be paid off early at the rate I'm going, God willing. Everyone is different, but for me it's been a good deal.

It's the same company that does the financing for Baby Lock, Pfaff, and myriad other companies, not a Bernina exclusive thing at all.

------
🌸 Plenty of machines, mostly Berninas 🌸

Michele Lommasson
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Michele Lommasson  Friend of PR
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NM USA
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Date: 9/22/13 11:47 AM

I did as Maia did, left my money in the bank, and financed my 730. That was a few years back, and payments were not demanded, it just had to be paid in full by the end date. I had heard dire predictions of the full, inflated amount of interest being charged should the payment be an iota late. I paid it off sooner rather than later.

My first Bernina, almost thirty years ago, was financed by the little office next door to the, at that time, teeny tiny, Bernina dealership. My mother gave me a big down payment for my birthday (it was her idea) my husband pitched in another chunk, and I paid $30.00 a month for three years.
I used to hand deliverer the check at the very last minute. It was a top of the line Bernina (again, my mother's idea); I still have and enjoy that machine.

For my 780, I was actually saving up to buy an 830. But, I decided to go ahead and get the newly introduced 780. Thus, when my husband asked what I wanted for Christmas, I told him I wanted the 780; so I paid half out of what I had been setting aside for the 830, and we took half out of family funds.
It was unusual for me to jump at a newly released machine. I usually seem to wait til the very end of that machine's run to buy it. I've really enjoyed working with the 780. I'm glad I got it. (I still love the 830. . .)

I have to say, I liked the feeling of walking in with cash. I probably will never finance a sewing machine again. It's not a need at this point, just a desire. I am lucky to have plenty of back up machines.


------
Michele Lommasson

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