Synchrony provides convenient financing solutions that make it easier to cultivate and pursue any musical passion. The Guitar Center Gear Card is a store rewards credit card. Just make your monthly payments and pay it off before the zero interest expires and its literally the same as cash. It’s not going to make you sound any better than a cheaper set up. Chase Bank … What happens if there is an unexpected emergency? I financed a new guitar through Sweetwater, but it's 0% interest for 48 months AND I've got great credit, my career is established, and I buy everything on my credit cards and pay them off every month. First thing's first. If you're wondering whether Guitar Center Gear Card is the right card for you, read on. If you are sure you can pay it off in the allotted amount of time you're fine. So listen to SirLagsAlot if you really don't want to make stupid decisions. Let's face it; sometimes the easiest way to own a new guitar is to pay for it over time. Do you have an emergency fund or would you be forced to sell one or more of your 7+ new toys, at a significant loss? … The magic is in your hands. Thanks to our close relationships with your favorite brands like Moog, DW drums, Fender, and hundreds more, we're able to offer up to 48 months promotional financing on qualifying purchases, for a limited time. I strongly recommend buying all this gear either a piece at a time or in small groups as you have the free cash to afford it. Special financing deals are automatically applied to all qualifying purchases made with your Gear Card. I also suggest that you re-read SirLag's reply and take his advice. Affirm offers instant financing for purchases online. Welcome to r/guitar, a community devoted to the exchange of guitar related information and entertainment. Because the monthly payments are small on cards like these, it encourages you to swipe it and get just that one more thing - that dopamine hit is dangerous. However, having tools to use to grow your skills and take on your journey with you dont need to come at the expense of the rest of your life, and make no mistake, spending that much on that little income WILL hurt you in the long run. Would this just be for the credit card balance itself or also for the financing? You don't want to get in the habit of paying interest. I worked retail management for 11 years prior to changing careers. Tally is a credit cash personal loan management hybrid that seeks your highest interest credit card snd issues you spersnsl loan to pay it off at a substantial lower interest rate and this tool will raise your credit scores. Guitar Center is a major chain of retail stores that specializes in selling musical instruments. Can you reasonably split that time and further compartmentalize your life so you can spend this night on synth, this one learning your daw (a huge time sink), this night trying to figure out pedal settings...and then order...theres only so much time in the day. I have no idea why this comment doesn’t have 46,000 upvotes. If you pay your minimum payment due each month, you're automatically paying your Apple Card Monthly Installment for that month. This is a new measure we're taking to combat trolling, so please bear with us while we fine-tune the system. If not, grab some lube and bend over. If you really want to splurge, I’d say set a budget for one or two things you really want and save up to buy it. If you must then look for an introductory year of free interest from them or some other credit card. Yes it sucks. Simply call us toll-free at 1-888-593-5626. You're a good man. Smart features and free tools to help you get the most from your Synchrony credit card. The site may not work properly if you don't, If you do not update your browser, we suggest you visit, Press J to jump to the feed. I financed a new guitar through Sweetwater, but it's 0% interest for 48 months AND I've got great credit, my career is established, and I buy everything on my credit cards and pay them off every month. There are lots of variables to consider prior to jumping feet first because of what other people say and a desire to gain back lost time at the cost of a huge chunk of income. Best Alternatives to Guitar Center Credit Card from our partners. It has tons of pedal models in it, is similar to learning how to manage a daw, is PLENTY loud, and hella customizable. Are you working full time? Are there any catches? At the moment, a guitar center credit card payment allows you to no longer carry money with you and worry about being … Press question mark to learn the rest of the keyboard shortcuts, Jackson,Fender,Chapman,Ibanez,Fender,Chapman,Jackson,Jackson. Yeah, but I'm at a point where that decision isn't going to hurt me. Going even further into the practical realm...look at the amount of time you have to invest. From a real "grown up" perspective, $25,000 per year isn't much, and putting thousands on credit isn't going to help anything for you. I don't want to make stupid decisions. I am young and new to credit and financing! The best place to start if you're new is right below in our "Rules" section. In the case of the UMC1820, you can attach an ADA8200 and wind up with a whopping 16 channels of input for less than $600. 25k a year is not very much. Guitar Center and Synchrony Financial Launch New Credit Card Rewards Program STAMFORD, Conn. and WESTLAKE VILLAGE, Calif. – October 18, 2016 – Musicians and music lovers can now earn reward points when shopping for instruments, recording equipment and accessories at Guitar Center, the world’s … Other transactions may affect the monthly payment. Existing cardholders should see their credit card agreement for their applicable terms. I could probably down the line go cheaper on the non-guitar related products. This is a forum where guitarists, from novice to experienced, can explore the world of guitar through a variety of media and discussion. Existing cardholders: See your credit card agreement terms. Credit card is the most convenient payment method in our time. Save and buy used gear one piece at a time with cash. Credit purchases subject to credit approval. How quick can you react to that? Never missed a payment and always paid off the balance before the interest deal ended so i've never paid a cent in interest, New comments cannot be posted and votes cannot be cast. †For New Accounts: Variable Purchase APR is 23.99%. Staying away from anything on credit is a good idea. We have already been there. Use the reverb/delay customization on the amp and boom, hours upon hours upon hours of noodling and fun to be had at a cost of $230. Not that GC will give you $10k credit limit anyway. You can exchange as many gift cards as you want in one go. If you paid $500 per month in payments, you would already be past your maximum in discretionary income (I can only assume), and certainly would never qualify for another kind of loan or credit for a long time. I myself have spent easily thousands in the few years ive played guitar, most likely similar overall to the amount ive spent on drums in over a decade. Guitar...less so, but much more difficult to truly control spending habits when you can easily buy a $30-$100 pedal and go to town...drummers have to spend anywhere from $50-$100 just to rehead their kits...and thats only the batter heads. I always paid for with my own money. Its not buy now worry later. You are young. I grew up extremely poor and had to just get what I could but now in my mid-twenties I believe I have enough discretionary income to start buying quality! Pay for gear as you need it. Yeah, but I'm at a point where that decision isn't going to hurt me. If you have guitar related questions, use the "Search" field or ask the community. Save up a comfortable amount first, and if you really want that nice piece of gear, THEN put it on credit and use your cushion to help pay it down to start with to help build good credit history in a controllable way. And their interest rates are loan shark levels. Posts you make before the 2 day period is up will not be re-posted automatically. Credit Questions At Jared, we believe in putting our customers first. Eh, I would say that you should probably save up for the guitar if you feel like you can afford to make payments or pay within the allotted time. Are they saying the card have no interest? I could order a new guitar this week at that rate with my savings and still be fine. I appreciate this. This is how I ended up with a Gibson Les Paul Tribute for $450 and how my roommate got how Fender DeVille for under $300. Please contact the moderators of this subreddit if you have any questions or concerns. Do you have a significant other? Buying a ton of very different, all time-consuming new toys, naturally you are going to need to spend time with all of them. I suggest that you listen to everyone in this thread who have told you not to finance gear (unless you are CURRENTLY a professional musician who has paying gigs). This includes payment installment plans with 0% interest for 24 months on guitar, bass, keyboard, and amp purchases that come to $699 or more. See how a big purchase can fit your budget with manageable monthly payments. If you are going on a guitar center credit card payment this will be your indispensable travel companion anywhere in the world. Time is not an issue for me so I could learn a lot more and create with lots of time spent. Missing payments will ruin your future ability to progress your life.