Saturday, October 1, 2022

Xbox All Access Credit Score

You Want It All For Less

How Your Savings Account Indirectly Affects Your Credit Score!

If youve been playing your Xbox One for years and youre just ready for next-gen and everything it has to offer, Xbox All Access makes sense for you.

Xbox All Access provides a new console plus 24 months of games and multiplayer for a simple monthly price. Thats everything plus the kitchen sink for $20-$60 less than youd pay piecemeal, and the low monthly payments may help you balance your budget better than a massive upfront expenditure.

How Financing For Xbox All Access Affects Your Credit

The financing comes in the form of a line of credit from lender Citizens One, not Microsoft. Citizens One will run a hard inquiry on your credit report to determine if you qualify for the 0% APR financing.

Usually, a line of credit works similarly to a in that you can borrow up to the limit on the account, pay it off and borrow again. In this case, however, there’s no indication that you’ll be able to access the line of credit beyond what you need to pay for your Xbox All Access subscription.

Citizens One doesn’t disclose a minimum credit score requirement to qualify. Generally, with lines of credit and 0% APR financing, the higher your credit score, the better your chances will be to qualify. The lender also doesn’t indicate whether it reports your on-time payments to the three national credit bureaus, but it may report late payments.

Youre Not 100% Committed To Next

Enrolling in Xbox All Access is a commitment to pay $906.94 total over two years. According to Microsoft, you can return your Xbox All Access subscription to the retail store where you purchased it for a full refund of the payments youve made, but only within the retail stores return window .

If you keep your Xbox All Access past 30 days, youre basically stuck with $34.99 monthly payments for two years. Even if you sell your hardware, youll have to keep paying $35 each month for a console and gaming subscription you no longer have.

So Xbox All Access is not a good option if you just want to try next-gen gaming, since its a near-$1,000 financial commitment.

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Is Xbox All Access Worth It

If you want an Xbox Series X or Series S console, you effectively have nothing to lose by spreading the cost like this, since it comes with 0 percent APR payments. This is ultimately the same as buying an Xbox Series S or X console outright with Xbox Game Pass Ultimate, spreading the cost out over two years instead of all upfront.

Xbox Game Pass Ultimate costs $14.99 per month by itself, and the Xbox Series S costs $299.99 to buy outright. 24 months of Xbox Game Pass Ultimate costs $359.76. Buying them both together clocks in at $659.74.

Given that Xbox All Access costs $599.76 over 24 months, it actually works out at a $60 saving to get it through Xbox All Access, rather than by buying them both separately. Of course, you may not want Xbox Game Pass Ultimate, in which case buying an Xbox Series S for $299 by itself may be preferable, but if you plan to use both, Xbox All Access is a very great option.

Xbox All Access Games

Klarna apologises after Xbox All Access " debacle"  hit ...

Xbox All Access doesn’t explicitly come with games, but the inclusion of 24 months of Xbox Game Pass Ultimate in the bundle sees you getting access to loads of top Xbox titles.

Xbox Game Pass Ultimate grants access to over 100 Xbox games via Game Pass, some of which are available to play on Android mobile devices come September 15, thanks to Project xCloud. Game Pass titles include the complete Gears of War, Forza, and Halo series’, plus much more. In addition, you’ll have access to the biggest first-party Xbox titles from launch day, which will include the likes of Hellblade 2 and Halo Infinite. Come “Holiday 2020” EA Play will also be included in the subscription service, granting players access to more than 60 of EA’s top games including FIFA 20, Need for Speed and The Sims while Microsoft’s recent acquisition of Bethesda means the likes of Skyrim and Fallout will also be coming to the service.

Vic is TechRadar’s Gaming Editor. An award-winning games journalist, Vic brings experience from IGN, Eurogamer and more to the TechRadar table. You may have even heard her on the radio or speaking on a panel. Not only is Vic passionate about games, but she’s also an avid mental health advocate who has appeared on both panels and podcasts to discuss mental health awareness. Make sure to follow her on Twitter for more.

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Is Xbox All Access Interest Free

This has been one of the most asked questions when it comes to the new payment plan options provided by Microsoft for the Xbox Series X and Xbox Series S. The answer is yes, and in most cases, buying a new Xbox using the payment plan will actually save you a little money, too. Heres a little math to help explain it.

On its own, buying an Xbox Series X outright and then paying for Xbox Game Pass Ultimate will cost you around $858.76, give or take a few pennies. Buying the Xbox Series X with Xbox All Access comes out to a total of $839.76 after the two years is up, totaling up to a $19 savings by going with the payment route.

The Xbox Series S is where the savings really kick in, though. Normally, buying the Xbox Series S and 2 years of Game Pass Ultimate would cost you around $658.76. With Xbox All Access, though, you could pick up the Series S on a monthly payment plan, totaling out to around $599.76 after the two years is up. Thats a $59 savings, which you can then use to buy a new game that youve been looking forward to.

It’s cool to see Microsoft offering some different ways for users to get their hands on the latest generation of Xbox consoles with a plan that isnt designed to gouge your bank account with high interest fees.

How Else To Get An Xbox Series X

Of course, a lot of this analysis sidesteps one important issue: right now, its nearly impossible to get an Xbox Series X without Xbox All Access, and relatively easy to get an Xbox Series X with it. But remember, once you get your Xbox in hand, you cant simply pay for the whole thing up front and be done with it. Citizens Bank will have you on the hook for the next two years, and a lot can happen in that time.

Personally, I would feel more comfortable buying a console outright, even if it meant I had to wait a few more months to get my hands on one. Furthermore, Xbox Game Pass Ultimate goes on sale relatively often you could almost certainly get two years worth for less than $360.

Still, if you do get Xbox All Access, just remember to pay on time, and in full, every month. As long as you do that, Citizens Bank should be happy with you, and you should be happy with your Xbox.

Read Also: Citizens One Line Of Credit Xbox

Xbox All Access: Available Countries

Xbox All Access is currently available in the US, UK, Australia and New Zealand, but Microsoft has said it is rolling out the service to eight more countries in “Holiday 2020” – with more countries to come in 2021.

Here are the countries and retailers that will have Xbox All Access come “Holiday 2020”:

  • Australia at Telstra
  • South Korea at SK Telecom
  • Sweden at Elgiganten
  • UK at GAME and Smyths Toys
  • United States at Best Buy, GameStop, Target, Microsoft Store, and Walmart

Xbox All Access Is It Worth It

Check Your Equifax Business Credit Report!

Lets crunch some numbers. Is Xbox All Access really as good of a deal as it sounds? Whats the catch?

Ill start with the Xbox Series S. Heres what youd pay for everything in cash versus financing for 24 months. Im including 8% sales tax, but the tax will differ depending on where you live.

  • Cash:
  • Xbox One S console .
  • 24 months of Xbox Game Pass Ultimate .
  • Total: $658.76 + 8% tax = $711.46.
  • Xbox All Access:
  • Total: $24.99 x 24 + 8% tax = $647.74.
  • So if you enroll in Xbox All Access, youll actually end up saving around $63 versus purchasing the console and Xbox Game Pass Ultimate separately. From that perspective, Xbox All Access is a good deal.

    Lets now take a look at the Series X.

    • Cash:
    • Xbox One X console 24 months of Xbox Game Pass Ultimate .
    • Total: $858.76 + 8% tax = $927.46.
  • Xbox All Access:
  • Total: $34.99 x 24 + 8% tax = $906.94.
  • Once again, financing your next-gen Xbox will actually save you money versus paying cash, albeit less this time . Thats honestly pretty amazing, considering financing virtually every other asset on the market will cost you money in interest.

    Citizens One has to make money somewhere, so Im guessing that in lieu of interest theyre getting a nice kickback from Microsoft, who in turn is subsidizing the cost of Game Pass Ultimate.

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    Open A Citizens Pay Line Of Credit For Xbox All Access

    Complete your Xbox All Access purchase in 2 easy steps:

    Submit Application

    Provide basic information and see if youre qualified for a Citizens Pay Line of Credit for Xbox All Access. If you dont qualify, your credit score will not be impacted. If you do qualify, the credit check will result in an inquiry that may impact your credit report.

    Proceed to Checkout

    Upon approval, pay in 24 monthly payments with Citizens Pay Line of Credit. No upfront cost and 0% APR*. Payments due within 30 days after order shipping. After your purchase is complete, please access the customer portal for additional questions and information on your Xbox All Access order.

    You are leaving and entering a third-party site for your Xbox All Access purchase. Please refer to the privacy policy on the destination site for information regarding the collection and use of your personal information.

    Repair / Warranty / Hardware Troubleshooting Questions

    What happens if my console breaks?
    With Xbox All Access, you own the console and 24-month Xbox Game Pass Ultimate membership outright upon purchase. If your console breaks within 30 days, please review our Return Policy for complete details on how to complete a return or exchange. If you have additional questions, please contact . The Microsoft Limited Warranty covers the Xbox console for one year , irrespective of the length of your financing term. If your console malfunctions after that one-year period , you would be responsible. Please note, monthly payments will continue until the remaining balance on your PayPlanTM Loan for Xbox All Access is paid in full, even if your Xbox console is not working.

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    Is Xbox All Access Available In Canada All Retailers And Eligible Countries

    Of course, Xbox All Access is only good if it is actually available in your country. A lot of times countries in Europe find themselves unable to take advantage of deals like this, and even the United States northern bordering neighbor, Canada, often finds itself missing out. Thankfully, Microsoft has quite a bit of availability when it comes to eligible countries and retailers, and heres a full list of what theyve released thus far:

    • Australia Available at Telstra
    • Canada Available at EB Games
    • Denmark Available at Elgiganten
    • New Zealand Available at Spark
    • Norway Available at Elkjøp
    • Poland Available at Media Expert
    • South Korea Available at SK Telecom
    • Sweden Available at Elgiganten

    Does Ps5 Offer Financing Options

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    Sony doesn’t provide a financing option for its PlayStation 5 console that’ll launch in the U.S. on November 12 and cost $499 . However, GameStop has announced that it will offer several ways to purchase the PS5, including layaway payments, a rent-to-own plan and installment payments through third-party companiesthe last option is similar to Microsoft’s arrangement with Citizens One.

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    My Xbox Order Didn’t Go Through What Do I Do

    Klarna said affected customers will be contacted by the retailers and receive the bundle when it becomes available again.

    The Sun has asked both Game and Smyths Toys when it’ll receive more stock, so we’ll update this article if we get a response.

    Klarna also insisted that no one will be left paying for a product they didn’t receive.

    Consumers who no longer want the Xbox bundle should contact Klarna, which said it’ll make sure the check is removed from their credit score.

    How Much Does It Cost

    Xbox All Access costs $22.99, $24.99, and $34.99 per month for an Xbox One S, Series S, and Series X respectively.

    Heres a quick recap of the difference between consoles.

    • The Xbox One S is a faster version of the Xbox One released in 2013, able to run exclusively last-gen Xbox One games at 1440p .
    • The Xbox Series S is an all-digital version of the Series X with no disc drive and less power. The Series S is impressively petite and affordable, but unable to play games at native 4K resolution.
    • The Xbox Series X is the true next-gen experience youre looking for, able to play current and next-gen games at native 4K in disc or digital format.

    Struggling to choose between Series S and X? The S makes sense if you have no interest in buying, selling, or trading physical copies of games, and you either lack the interest or dont have a TV capable of playing games in true 4K.

    But for my money, Im going for the Series X Ill make back the $10 per month or $200 cash eventually, and in the meantime, Ill get to enjoy Cyberpunk and Halo in true 4K.

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    Xbox All Access Payment Plan Explained

    Not sure what the Xbox All Access payment plan is, or what it means for Xbox Series X and Xbox Series S purchases? Let us help.

    The Xbox Series X and Xbox Series S offer a nice package for gamers looking to get into next-gen gaming, and the Xbox All Access payment plan makes it even easier to jump right in. What exactly is the Xbox All Access plan and how does it work? Were here to go over all the details you need to know, so lets get started.

    How Do You Cancel An Xbox All Access Contract

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    Because it’s a binding contract rather than a subscription, there is no way to cancel an all access contract beyond the first 30 days, or get a replacement console outside of a limited warranty coverage period.

    It’s also impossible to shed the Xbox Game Pass Ultimate part of the bundle to shed costs during the contract.

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    What Is Xbox All Access

    Xbox All Access is Microsofts financing program for the new Xbox Series X or Series S consoles. Enroll in Xbox All Access and youll receive a console on launch day November 10th plus 24 months of Xbox Game Pass Ultimate.

    With approved credit, youll pay $0 down, 0% APR, and a low monthly fee ranging from $25 to $35 per month for the Series S and Series X, respectively.

    Xbox All Access Offer Details

    ^ With approval of Citizens Pay Line of Credit at 0% APR and 24-month term. Subject to individual credit approval. Total payment amount from $599.76 taxes, shipping, and other charges are extra and may vary . See Citizens Pay Line of Credit Agreement at for full terms and conditions.

    At participating retailers prices vary by console. Taxes may apply. Xbox Game Pass Ultimate: 24-month subscription game catalog varies over time, by region, by device. Internet access required . Membership conversion: your existing Xbox Live Gold, Xbox Game Pass, and EA Play membership will automatically convert to Ultimate at a conversion ratio. See, . Game streaming: requires compatible controller . Halo Infinite: expected 2021. EA Play: expected Holiday 2020. Digital Direct: Your digital content will be delivered directly to your console during set-up no codes required . Warranty: console is under a 1 year limited hardware warranty regardless of length of financing. . See product terms at

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    Is Xbox All Access Worth It Here Are The Pros And Cons

    • Xbox Series X is selling out fast and restocks are rare but why is that?
    • Xbox All Access may be the answer to this problem but what are the pros and cons of going this route?
    • The Xbox All Access is currently retailing at $35 per month and you will get an Xbox Series X.

    Xbox has had quite the year with the number of releases and newly added features that have the fans hurrying up their boots to secure one of the Xbox Series X/S.

    A few days, the cloud gaming feature was released and adds to the number of reasons why one would want to get their hands on the Xbox Series X.

    However, the Xbox Series X is almost always out of stock at major retailers which leave fanatics no other choice but to go for the Xbox All Access. Well, is it worth it?

    How Does Xbox All Access Work

    Xbox All Access Lets You Finance an Xbox One Console

    Xbox all access requires a payment of $34.99 per month for 24 months for the Series X bundle and $24.99 per month over the same timeframe for the Series S bundle. It’s a financing contract that offers a discount and deferred payments when bundling the console and online features up front.

    Adding up the total costs, it’s $840 over two years for the Series X all access package and $600 for the Series S package.

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