I almost always do that with big purchases at Newegg. It's 0% financing though as long as you pay it off in time. That said, I never buy anything unless I already have the money for it (excluding vehicles and mortgages). If something is $1000 and I have 18 months to pay it off without interest I'd rather keep the money in savings and just throw $100 a month at it. If you're disciplined it's not a problem, but for some people it's a slippery slope because soon they are financing 10 things and making minimum payments on them. They then go past the terms and are stuck with ~25% interest.
One of my brothers was doing that and emptied his retirement to catch up. Now debt free he decided to buy a truck that was one and a half times greater than the credit card debt he had. So now he has no retirement and a $700/month (plus another $160/month insurance) truck payment for the next 60 months.
Exactly. It just lessens the shock of laying out say $1500 at once.
I knew from Turing on prices were going to rocket. I've spoken about it so many times I must sound like a cracked record. Fermi - expensive. From that moment on it was all huge shrinks, tiny dies and cheap prices. However, with the advent of RT I knew they would need to start making much bigger dies again, and, prices would rocket. And they did. And, they will continue to do so.
They should be cheaper than they are of course, but them's the breaks. Mining is doing this. Demand outstrips supply, prices rocket even more.
Which is my rationale behind buying say, that 6900XT. Firstly it will last you bloody years, due to the consoles being half or less as powerful. Secondly, the RRP on the AMD card is £999. That means it's £399 over that. A lot, right? well sort of. That's the RRP, that card isn't an AMD its high end. Meaning it would cost more than £999. Let's say in normal times £1100. Meaning you are only over paying by about 25%.
Now work down the chain, where on low end cards you are paying 100% over the odds.
Factor in longevity and etc? the smart money is on the high end cards. Especially when the 3080Ti was £1300 for a HOF like Dice has. Providing he can keep his cool and hang onto it? he will get the best value out of it.
The same goes for my 2080Tis. I got two for a total of £2100. I will likely be extremely bored of looking at them before I need to replace them.