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Payment Plans For Cards?
I've seen this idea floated out a few times, and I was curious to hear opinions on this. I would gather the buyer would need to provide references of course. Seems like a good idea in theory as long as both parties came to some sort of an agreement. I'm not sure of who offers it outside of a few deals I've seen but I'd certainly be open to it. Makes acquiring some of the higher end vintage cards, a lot easier if I was able to do it in installments rather than all at once.
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Successful Deals With: charlietheexterminator, todeen, tonyo, Santo10fan Bocabirdman (5x), 8thEastVB, JCMTiger, Rjackson44 Republicaninmass, 73toppsmann, quinnsryche (2x), Donscards. |
#2
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Main thing is communication with an exact plan on how things will be done. |
#3
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Communication is key I would think. I would love to work something out for Goudey Ruth or Gehrig, or one of the Mantles that I need. Would make things a heck of a lot easier.
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Successful Deals With: charlietheexterminator, todeen, tonyo, Santo10fan Bocabirdman (5x), 8thEastVB, JCMTiger, Rjackson44 Republicaninmass, 73toppsmann, quinnsryche (2x), Donscards. |
#4
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Well stated. Communicate communicate, communicate, have an exit plan if things don't go as planed (what happens if a payment is missed?), and if you do let someone use a payment plan, never ship a card until it is paid in full.
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Current Wantlist: E92 Nadja - Bescher, Bridwell, Cobb, Donovan, Doolan, Doyle (with bat), Lobert, Mathewson, Miller (fielding), Tinker, Wagner (throwing), Zimmerman E/T Young Backrun - Need E90-1, T216 (all versions) E92 Red Crofts - Anyone especially Barry, Shean, and Evers |
#5
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I have done this several times in the past with dealers that I have bought a lot from. They were willing to do it because they had known me for a long time. I doubt many sellers would do something like this for a buyer they didn't know well unless there was something in writing covering the terms of payment, etc.
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#6
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One way would be to set up an agreement as a 3rd party agent. For example: I buy the Ruth card you want, keep it safe while you make monthly payments for a predetermined term and add a small vig for the use of my money. |
#7
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Successful Deals With: charlietheexterminator, todeen, tonyo, Santo10fan Bocabirdman (5x), 8thEastVB, JCMTiger, Rjackson44 Republicaninmass, 73toppsmann, quinnsryche (2x), Donscards. |
#8
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I've taken payment plans on a bunch of cards and had no issues
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My website with current cards http://syckscards.weebly.com Always looking for 1938 Goudey's |
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I worked out a lay-a-way plan for a large deal of cards with a respected member here on the boards which lasted six months. We had an agreement which included exactly when payments would be made, how long the lay-a-way would last and a financial penalty for failure to purchase the lot for any reason. I wanted to make sure that the seller was comfortable with the deal by allowing him to keep all the cards until the final payment was made. As I mentioned, this is a well respected member of the board so I had no worries about making sure I get the cards after the lay-a-way was paid off.
It worked out well for me and I hope the deal worked out well for him as well. |
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Been on both sides. Greg Morris and others have done it with me and I've extended the courtesy to others. IMO one of the most brotherly and truly fun parts of a hobby. When someone works with you on a dream card, that you just need a little time on, its really a great feeling
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#11
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Doing a payment plan once or twice is fine. If it becomes habitual, well......
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#12
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We are talking about baseball cards; not houses or cars. If you can’t afford to pay cash, and don’t have it in-hand, you probably shouldn’t purchase the card.
Don’t forget 2008. People bought more house than they could afford, because they thought the prices would keep going up. What possibly could go wrong? |
#13
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Successful Deals With: charlietheexterminator, todeen, tonyo, Santo10fan Bocabirdman (5x), 8thEastVB, JCMTiger, Rjackson44 Republicaninmass, 73toppsmann, quinnsryche (2x), Donscards. |
#14
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I do payment plans for some buyers, and it's almost always a win-win. Just need to have a clearly defined set of rules and expectations. For this to work the seller probably needs to be one that carries inventory rather than a pure flipper, as I imagine they need to turn their stuff over faster.
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ThatT206Life.com |
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I remember around 20 yrs ago Terry Knouse Sr. extended me net 90 and gave me around 16k of cards to take home. He barely knew me but knew a lot of the same hobby friends. I paid him back in around 30 days, if I recall correctly. I think I had the money just didn't want to pull it from where it was.
Someone once said, don't buy what you can't pay for. And for the most part, excepting of houses and cars (for most folks). I am not sure buying on account is the right thing UNLESS you think the deal is a no brainer .. I Always throw that caveat in there. I do remember one time I pad a tiny bit of interest on my credit card (only time in around 25 yrs, I think) because I wanted that money to buy a card. Every thread needs a card. A bit past our time frame....1946 Morley's
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Leon Luckey |
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