Designer bag 101: payment types

If you believe that the luxury bags should be available to everyone who loves and appreciates them for style and quality. Then your belief is correct. but at time many women are not able to get their hands on a designer handbag due to paucity of funds. Most working women have a regular income, but that goes towards monthly expenses. But if they keep waiting to save money to buy that dream luxury bag then the deal may not be available by the time they have enough money. I prefer small Gucci handbags and if I find these at a good price and I am not able to buy then it will be a pretty disappointing scenario.

So one should strike the iron when it is hot and buy that luxury bag when it is available at a great price.  Most stores today offer various methods of payment. You can pay through your credit card and then slowly pay that amount back to the credit card company. But the interest rate could be higher. Another way is to use an online company that gives credit or loans to buy these luxury items. Such companies offer a loan at lower rates of interest, depending upon your credit history.

But the best way is to opt for layaway. All you need to do is to opt for layaway at the time of checking out. You need to fill a form giving all the required details. You can choose to make payments in a mutually decided time frame. The amount can be deducted from your account every month or you can choose to pay within 60 days. This way you are sure that the item will be available to you at the already decided price, though after some time. The terms and conditions are clearly defined mentioning the refund and cancellation policies of the seller and processing time and charges. So understand the pros and cons of the process and then buy the bag of your dreams even if you do not have the money right now.