Exploring Best Buy's Credit Options and Benefits
Intro
In a world where electronic gadgets have become staples in everyday life, understanding how to finance these products can be as critical as the gadgets themselves. Best Buy, one of North America's largest electronics retailers, offers a variety of credit options that can help consumers manage their purchases. However, like a double-edged sword, credit can both empower and ensnare. Hence, being well-versed in this landscape is essential for anyone looking to wield the power of credit effectively without falling into common traps.
Key Concepts Overview
Definition of the Topic
Navigating Best Buy's credit options means exploring various financing avenues that the retailer provides. This encompasses a range of credit solutions, from store credit cards to promotional financing plans. Understanding how these options work is vital in making educated financial choices.
Importance of Understanding this Area
As young professionals, students, and small business owners, staying savvy about credit is undeniably important. It influences not just purchases of electronic devices, but also your overall financial well-being. Misjudging a credit option can lead to years of high interest payments. Conversely, making an informed choice could mean the difference between financial stability and a treacherous debt cycle. Having a solid grasp on the subject enables better control over personal finances, thus encouraging smart purchasing behaviors at Best Buy.
Practical Tips and Strategies
Financing electronics shouldn't feel like you're walking through a maze blindfolded. Here are some tactics to ensure you stay on the right path.
Step-by-Step Guides
- Evaluate Your Needs: Before even thinking of applying for credit, list down the items you wish to purchase. This helps you gauge how much credit you really require.
- Research Credit Options: Best Buy provides different types of credits. Familiarize yourself with the specifics of each: for example, the My Best Buy Credit Card offers perks like points on purchases, while promotional financing options can provide interest-free periods.
- Check Your Credit Scores: Different credit offerings may come with varying eligibility requirements. Knowing your credit score can save you from disappointments down the line.
- Read the Fine Print: Before committing, dive deep into the terms and conditions. Look for hidden fees, the interest rates after promotional periods, and any penalties for late payments.
Real-Life Examples
John, a recent graduate, found himself needing a new laptop for his job. He discovered that Best Buy offered a zero-interest financing plan for a limited time. After weighing his options, he decided to go for that credit solution, allowing him to buy the laptop upfront without getting hit by interest. However, he was diligent—he set reminders to ensure he paid the balance on time, avoiding potential pitfalls.
In contrast, Sarah, who hesitated and ignored researching her financing options, ended up going for a store credit card that had a sky-high interest rate. She thought she was savvy shopping, but didn't notice the repayment terms until it was too late. Her lesson serves as a cautionary tale for anyone considering Best Buy’s credit options.
"In finance, knowledge can either be your best ally or your worst enemy. Choose wisely."
Preamble to Best Buy Credit
Understanding the landscape of credit options available at Best Buy can serve as a valuable asset, particularly for individuals looking to make significant electronic purchases. The mere act of shopping is not just a transaction; it can represent an investment in quality products. Thus, recognizing how credit options function can provide better control over financial decisions and budgeting. Best Buy, a leader in electronics retail, presents various credit opportunities tailored to diverse needs. These options can simplify the buying process, create pathways for larger purchases, and even lead to potential savings through rewards and promotional offers.
Understanding Best Buy's Credit Offerings
Best Buy offers a couple of tailored credit solutions designed to meet different customer profiles. Primarily, the options include the Best Buy Credit Card and the Best Buy Store Card. Each of these has its unique features, interest rates, and rewards structures. Notably, the Best Buy Credit Card provides broad flexibility, usable anywhere Visa is accepted. Meanwhile, the Store Card limits usage to Best Buy locations but comes with specific perks like financing deals that can be quite alluring.
"Navigating credit options isn’t just about choosing what’s available; it’s about aligning those choices with your purchasing habits and financial goals."
These credit options can be beneficial, especially for tech-savvy young professionals or students who often find themselves needing the latest gadgets. With no annual fee on both cards, users can take a measured approach to their finances while still enjoying state-of-the-art technology.
Who Should Consider Best Buy Credit?
When looking at who might benefit the most from Best Buy’s credit offerings, a few key demographics stand out. Young professionals eager to upgrade their electronic devices might find these options especially useful. Students, often on tight budgets, can also leverage financing plans to acquire essential school equipment without emptying their wallets.
Furthermore, small business owners who need reliable technology for their operations may find Best Buy credit plans appealing. The ability to spread payments over time can make necessary purchases more manageable, allowing for better cash flow management.
Types of Best Buy Credit Options
Understanding the types of credit options available at Best Buy is crucial for making informed and beneficial financial decisions. Each credit option caters to different needs and consumer profiles. Knowing what these options entail can help you maximize rewards, manage payments efficiently, and ultimately enjoy your shopping experience more.
Best Buy Credit Card
The Best Buy Credit Card is a popular choice among consumers who shop at Best Buy frequently. It offers benefits that can significantly enhance your purchasing power. With this card, cardholders often receive special financing options, allowing them to buy bigger-ticket items without the immediate strain on their wallet. This is especially useful if you’re eyeing the latest high-definition television or an advanced gaming system.
Moreover, rewards accumulate for every dollar spent, which can translate into future savings or cash back. And, if you're someone who enjoys keeping up with the latest electronics, having this card can be like having a ticket to the front row at a concert—feeling special while getting great deals on your favorite gadgets.
Best Buy Store Card
The Best Buy Store Card works similarly to its credit counterpart, yet it comes with its own set of advantages. One of the significant perks is that this card can only be used at Best Buy. For those who regularly purchase electronics, appliances, or accessories from the store, this limitation may not be a drawback but rather a boon. It offers exclusive discounts and financing options that entice frequent shoppers.
With the Store Card, the financing plans can, at times, stretch longer than with the standard credit card. This means you can enjoy more time to pay off your latest purchase without incurring interest if paid within the promotional period. Therefore, for a savvy electronics buyer, this card can open many doors whilst ensuring you don't overspend.
Financing Options for Purchases
Best Buy also provides various financing options tailor-made for shoppers looking to manage their spending effectively. Opting for financing through Best Buy often means you have access to various payment plans based on the size of your purchase. Whether you're looking to buy a laptop or upgrade your home entertainment system, this flexibility can lessen the financial burden.
Additionally, during special promotions or sales events, Best Buy presents limited-time financing offers, making it even easier to acquire high-end products without hefty upfront costs. It is essential, however, to closely examine the terms associated with these financing options. Look at the interest rates and pay-off periods. If managed wisely, these options can be a lifeline, helping you snag that must-have gadget without breaking the bank.
"Understanding the nuances of credit is essential for anyone looking to make large purchases—whether it's for personal use or business needs. When you know what options are at your disposal, you’re in a better position to save money."
These types of credit options at Best Buy can provide a solid foundation for managing your electronics purchases, allowing you to maximize rewards while keeping your financial wellbeing front and center.
Applying for Best Buy Credit
When it comes to making significant purchases, especially in the realm of electronics, having access to credit can make a world of difference. Applying for Best Buy credit options not only facilitates the ability to buy the latest gadgets and appliances but also opens doors to various financial benefits. Knowing how to navigate the application process, understanding eligibility requirements, and being aware of how these credit options can impact your credit score are essential for young professionals, students, and small business owners.
By understanding these elements, you can make informed decisions that align financial goals with the potential advantages of Best Buy’s credit offerings. This section delves into the mechanics of application, the criteria you need to meet, and the repercussions on your credit score, providing clarity for anyone interested in leveraging credit effectively.
Step-by-Step Application Process
The application process for Best Buy credit is designed to be straightforward, allowing eligible individuals to get through it with relative ease. Here’s a rundown:
- Gather Necessary Documents: Collect your identification, Social Security number, and income statements ready for reference during the application.
- Online Application: Navigate to the Best Buy website to fill out the application form. This typically includes personal details such as your name, address, and employment information.
- Submit Your Application: Review your information carefully before submitting.
- Receive a Decision: In most cases, you should receive an instant decision regarding approval. If additional information is required, you may be contacted shortly after submission.
While applying in-store is also an option, having the right documents and an understanding of the online process can expedite your experience.
Eligibility Criteria
Not everyone qualifies for Best Buy credit, and understanding the eligibility criteria beforehand can save you some time. Here’s what you typically need to meet:
- Age Requirement: You should be at least 18 years old.
- Credit History: A reasonable credit history is necessary. While you don’t need perfect scores, having some positive credit history is beneficial.
- Income Verification: You may need to provide proof of income to assess your ability to repay.
Make sure you’re prepared, as being aware of these criteria helps ensure you have a higher chance of approval. If your credit history isn't stellar, shopping for a more suitable option before applying may be wise.
Impact on Your Credit Score
Applying for Best Buy credit will have consequential effects on your overall credit score, a facet that should not be overlooked. When you submit an application, a hard inquiry is initiated, which can slightly reduce your score temporarily. Here’s a closer look at these impacts:
- Short-Term Effects: Expect a minor dip in your credit score due to the hard inquiry made during the application process. However, it’s often fleeting.
- Account Management: If approved, managing your card responsibly—making payments on time and keeping your balance low—can eventually improve your score.
- Long-Term Perspectives: Having credit accounts can diversify your credit portfolio, positively affecting your credit score as time passes.
Being informed about these aspects allows you to make strategic financial decisions, keeping in mind that while applying for credit is helpful, it requires responsible management afterward.
"Understanding your credit and its implications is just as crucial as the purchasing power that comes with it."
Overall, applying for Best Buy credit opens opportunities for both practical purchases and financial growth when approached thoughtfully.
Benefits of Best Buy Credit
Understanding the advantages of Best Buy Credit is crucial for anyone considering these options. With a variety of benefits in the mix, it can significantly enhance both purchasing power and overall shopping experience. Best Buy's credit offerings present several attractive features that not only help in financing electronics but can also lead to more savings in the long run.
Rewards and Discounts
Best Buy Credit provides an opportunity to earn rewards that can make future purchases more affordable. Cardholders typically benefit from a rewards system where points accumulate with each dollar spent. For example, every $100 spent on eligible purchases might yield points that can be redeemed for future discounts. Not only is this appealing for avid tech enthusiasts, but it also fosters a sense of loyalty that is often rewarded by the retailer.
Additionally, cardholders can frequently access exclusive discounts during promotional periods, amplifying their purchasing power beyond the basic credit card perks. Imagine buying that new gadget you’ve had your eye on, only to realize you can use accumulated points to reduce that price by a significant margin. It feels good, doesn't it?
Flexible Financing Options
One of the most compelling draws of Best Buy Credit is the flexibility it offers in financing options. Whether you need to manage a big-ticket item like a laptop or want to invest in a high-end television, the ability to break down payments into manageable monthly installments can ease the pressure on your wallet. Of course, you will want to read the fine print on the payment plans to avoid any unexpected surprises down the road. This flexibility is essential for professionals or students who are balancing multiple financial obligations while still wanting to enjoy the latest technologies.
Through special financing plans, such as zero-interest promotions if paid in full within a certain period, shoppers can circumvent hefty interest charges often associated with traditional credit cards. This means you purchase today without breaking the bank, as long as you're diligent about payment deadlines.
Exclusive Promotions for Cardholders
Being a cardholder opens up a treasure trove of exclusive promotions that aren’t available to the general public. These promotions can vary from limited-time offers on specific products to event invitations for new product launches. Such advantages can keep you in the loop about the latest technology, often before they hit the mainstream market. For example, receiving an early-access invitation to a new gaming console release could put you ahead of the pack, ensuring you don’t miss out on that sought-after gadget.
Furthermore, these exclusive promotions often entail significant discounts on popular items or special financing arrangements, further enhancing the value of maintaining a Best Buy Credit account.
"Understanding the true value of Best Buy Credit goes beyond just purchasing power; it can reshape your entire shopping strategy."
With these added advantages in mind, it becomes evident that Best Buy Credit is not just a means of payment. It's a strategic financial tool tailored to the needs of young professionals and tech enthusiasts alike, allowing them to maximize their investment in electronics while enjoying tangible rewards.
Limitations and Considerations
With any financial product, it's crucial to weigh the potential upsides against the inherent limitations. This section shines a light on Limitations and Considerations regarding the credit options offered by Best Buy, focusing on specific elements such as interest rates and fees, the risk of overextending, and a comparison to other available credit avenues. Understanding these factors can empower customers to make judicious choices that align with their financial capabilities.
Interest Rates and Fees
When using Best Buy's credit options, one cannot simply sidestep the fine print, especially when it comes to interest rates and fees. For instance, while the rewards might seem tempting, the associated interest rates can skyrocket if balances linger. Best Buy's credit card, typically, carries a variable APR that hovers around 25%. Imagine financing a big-ticket item like a high-end TV or a gaming console. If payments aren’t managed well, those interest charges can accumulate quicker than expected, turning a seemingly reasonable purchase into a heavy financial burden.
Consider this when evaluating options:
- Introductory Rates: Some promotions may offer a 0% APR for a limited time. It's important to read the fine print to know when that period ends.
- Late Fees: If payments are missed, fees can add up quickly. One late fee could easily negate any rewards earned during that time.
"A stitch in time saves nine." Taking care of timely payments can avoid problems down the line.
Potential for Overextension
Best Buy’s credit solutions may cater to tech enthusiasts, but they can also lead some down the slippery slope of overextension. Young professionals or students, often tight on budgets, might be drawn to finance their latest gadget purchase. Initially, the deal appears manageable, but additional pairs of headphones or that sleek laptop might soon follow, pushing their overall credit limit to its brink.
Being aware of one's financial limits and recognizing the signs of overextension is critical. Here are some pointers:
- Monitor Spending Habits: Make a habit of reviewing expenditures. Ask yourself,"Do I really need this, or am I just adding to my debts?"
- Setting Limits: Try to set personal limits that align with your budget, avoiding unnecessary purchases that could hurt your credit standing.
Comparison with Other Credit Options
Lastly, a comprehensive evaluation of Best Buy credit options can’t neglect the importance of a comparison with other credit options. On the market, several alternatives exist, such as generic retail cards or personal loans, which might offer lower fees or interest rates. For instance, cards like the Chase Freedom or Citi Double Cash often give considerable cash back on all purchases, without tying you to a single retailer.
Also, personal loans could present a more straightforward repayment plan without the traps of revolving credit that can lead to intricate situations down the road. Consider the following:
- Flexibility: Retail cards often have limited usage, while personal loans can provide cash for numerous needs.
- Long-Term Financial Health: Relying on revolving credit, like Best Buy's options, might not build credit as effectively as other choices, particularly if managed poorly.
In summary, understanding the limitations associated with Best Buy's credit offerings is integral to making informed decisions. Balancing temptation with necessity can ensure a smoother financial journey.
Best Practices for Utilizing Best Buy Credit
Understanding how to properly use credit options at Best Buy can pave the way for a more rewarding shopping experience. With technology ever-evolving and new devices constantly hitting the shelves, knowing the ins and outs of using Best Buy credit not just saves you money, but also ensures you are taking full advantage of the rewards and benefits offered. The key here is to navigate through the processes with intentionality and foresight, which brings us to some important best practices.
Creating a Budget for Purchases
Before diving headfirst into the electronics rabbit hole, it’s wise to set a budget. An upfront spending limit helps you to stay grounded when dazzled by shiny new gadgets. One way to start is to assess your monthly income and expenses. This could help you see how much wiggle room you really have for such purchases.
When creating your budget, consider:
- Essential vs. Non-essential Purchases: Identify what items you actually need for work or study versus what would just be nice to have. Prioritizing need over desire can lead to substantial savings in the long run.
- Set Limits for Categories: Break down your budget further into categories like electronics, accessories, and warranties. This will provide clarity on where you can splurge a little without breaking the bank.
- Track Spending: Keep a close eye on your purchases. There are many apps that can help track your spending against your budget in real-time, making it easier to stick to your plans.
In a nutshell, establishing a solid budget can turn bumpy roads into smooth sailing when using Best Buy credit.
Timely Payments to Avoid Interest
One of the main concerns with utilizing credit is the potential for interest. If you’re not careful, those little purchases can snowball into something much less manageable. For this reason, paying your balance on time should be a top priority. It’s simple—timely payments help you avoid interest charges that can creep up quickly.
To ensure you are always on the ball:
- Set Up Alerts: Use your calendar or mobile banking apps to set reminders for payment dates. Knowing when your payment is due can significantly help in preventing missed payments.
- Auto-Pay Options: Many banks offer an auto-pay feature where your monthly payment is deducted from your account without you having to lift a finger. This can be a lifesaver for someone on a busy schedule.
- Pay More Than the Minimum: If possible, always aim to pay more than the minimum payment each month. This reduces your balance faster and saves you money in interest charges.
Keeping your payment history clean not only helps you maintain a good credit score but can also open up more favorable terms for future credit increases.n
Leveraging Rewards Maximally
Best Buy credit options often come with various reward programs. These can include points per dollar spent, special discounts for cardholders, or even limited-time promotions. If used wisely, these rewards can make buying your next gadget feel like a win rather than a drain on your wallet.
Here are some strategies to maximize your rewards:
- Sign-Up Bonuses: Often, new cardholders receive an introductory offer which might be more lucrative if you spend a certain amount within the first few months. Take advantage of this by planning a larger purchase if it aligns with your needs.
- Prioritize Purchases: If you know certain items will earn you more points around holidays or special events, plan your shopping accordingly. This way, you get more bang for your buck.
- Keep an Eye on Promotions: Subscribe to Best Buy’s newsletters or notifications. They occasionally run campaigns where rewards are multiplied for certain products or categories. Keeping in the loop can help you maximize your earnings.
By being strategic in your purchases, you not only reap the benefits but also make the most of the credit option you have.
Employing these best practices not just shapes a financially savvy shopper but also transforms the experience of utilizing Best Buy credit into a more satisfying and less stressful one. Move forward with eyes wide open and make credit your ally.
Customer Experiences and Testimonials
When it comes to financial decisions, particularly those related to credit, the experiences of everyday customers can offer a treasure trove of insights. This section sheds light on the importance of customer experiences and testimonials regarding Best Buy credit options. By examining what real people have gone through, potential cardholders can gain a clearer perspective on both the advantages and challenges they might face.
Understanding the landscape of customer feedback helps paint a holistic picture of what Best Buy credit entails. Positive feedback can lift the spirits of someone contemplating their credit journey, while common complaints provide critical warnings to tread carefully. Essentially, personal experiences serve as both a lighthouse guiding prospective users to safe shores and a cautionary tale against hidden pitfalls.
Positive Feedback
Many individuals laud the Best Buy credit options for their versatility. From electronics enthusiasts to small business owners, several themes emerge from their positive anecdotes:
- Ease of Application: Customers frequently mention how straightforward the application process is. A few forms here and there, sometimes requiring minimal documentation, which allows for quick approval.
- Attractive Financing Plans: Users often highlight the appealing special financing offers. For instance, promotional 0% interest for a certain period can make big-ticket purchases more manageable.
- Rewards Programs: Numerous users relayed their satisfaction with the rewards system that Best Buy offers. They appreciated earning points on purchases that eventually led to discounts or even free merchandise.
"I got a new gaming laptop through the store card. Not only did I score a nice promotion, but the points I earned helped me snag a great deal on a headset later on."
- Customer Service: Some customers have taken to forums praising the responsiveness of the customer service team, particularly regarding issues that arise after the purchase or technical support.
Common Complaints
Yet, it’s not all sunshine and roses. Like any financial product, Best Buy credit options have their share of detractors. Here are some complaints that tend to resurface:
- High-Interest Rates: A frequent concern is the interest rates, especially after introductory offers expire. Many users express frustration at how quickly they can rack up debt if they don’t pay off their balance in time.
- Limited Usability: Some cardholders voiced disappointment over restrictions on where they can use their Best Buy cards. For those hoping for a more versatile shopping experience, this limitation can feel like a stifle of freedom.
- Complicated Terms and Conditions: A significant number of customers reported feeling blindsided by complex terms hidden in the fine print. They emphasized that a clearer disclosure could prevent misunderstandings down the line.
- Delayed Benefits: A few individuals noted that while the rewards system is beneficial, it takes time to accumulate points which can be frustrating, particularly for those who are eager to recoup their spending.
Understanding both sides of the spectrum allows consumers to make informed decisions based on a more accurate representation of what they might encounter. In financial matters, knowledge is indeed power.
Alternatives to Best Buy Credit
Considering credit options is almost like choosing a pair of shoes; it needs to fit just right. While Best Buy provides solid credit solutions, it’s always smart to explore alternatives. The world of electronics retailing is vast, and many options could serve your needs better, depending on your financial situation and buying habits.
When diving into alternatives, you unlock the potential for finding credit offers that align more with your personal priorities, like lower interest rates or rewards programs that suit your lifestyle. Keep in mind that comparing different products will help you understand the various elements, their benefits, and aspects that matter, such as fees, limits, and flexibility.
Other Retail Credit Cards
Many other retail credit cards on the market can help finance your electronics purchases. Such cards often provide similar perks as Best Buy, like extended payment plans and specific discounts on purchases. A few worth considering are the Target RedCard or the Amazon Prime Store Card.
These cards can be appealing for young professionals or small business owners who frequently shop at these retailers. For example, using a Target RedCard grants you 5% off every purchase, which can add up quickly. Moreover, Amazon's card can provide cashback on various purchases, not just electronics. Missing out on these could mean leaving money on the table for the savvy consumer.
Here are some benefits of other retail credit cards:
- Lower Interest Rates: Many retailers offer competitive rates that may be lower than standard credit cards.
- Exclusive Offers: You often find promo offers, such as deferred interest or discounts tied to seasonal sales.
- Rewards Programs: Cards from retailers might give you points or cash back on future purchases, adding to your savings.
However, it’s crucial to keep an eye on the fine print. Some retail credit cards may have high interest or fees that can sneak up on you, particularly if you carry a balance.
Personal Loans for Electronics Purchases
If you’re leaning more towards a traditional route to finance rather than retail cards, personal loans are another avenue. With the right terms, a personal loan can be a good choice for purchasing higher-ticket items, such as a laptop or a high-definition television.
A few points to consider knock at the door here:
- Lower Monthly Payments: Typically, personal loans may offer lower interest rates than revolving credit cards, spreading out the cost over a longer term.
- Flexibility in Use: Unlike retail cards limited to certain stores, personal loans can be used anywhere. Enjoy buying that fancy gaming console or a new phone wherever is most convenient.
- Rate Shopping: You can commonly shop around for the best rates, which allows you to negotiate terms that suit your budget better.
That said, it’s not all sunshine and rainbows. Pay attention to:
- Loan Origination Fees: Some lenders charge these, which can add to the total cost of borrowing.
- Credit Impact: Taking out a loan can impact your credit score, especially if you’re applying for multiple loans at once, which can make lenders wary.
- Discipline Required: Unlike credit cards, personal loans need to be paid in full as per the schedule - failure to do so can lead to matters spiraling out of control.
In a nutshell, exploring alternatives to Best Buy credit options can not only broaden your horizons but may also save you quite a few pennies in the long run. By understanding the various choices available, you empower yourself to make decisions that fit your unique situation and financial goals.
"In the realm of credit, knowledge is power; the more you know, the better choices you'll make."
Regardless of your particular needs, diving deep into the alternatives can only enhance your purchasing experience.
Epilogue
In exploring Best Buy's credit options, it becomes evident that weighing the benefits and limitations is crucial for any savvy shopper. The considerations surrounding the decision to utilize a credit scheme, especially in the realm of electronics, can turn the excitement of a new purchase into a weighty financial responsibility. Understanding the terms of the various credit options can help to either empower or encumber customers.
Weighing the Pros and Cons
When contemplating Best Buy's credit alternatives, one must realize the inherent trade-offs. On the plus side, using these credit options can result in significant savings through exclusive promotions or cashback. For instance, the Best Buy Credit Card may reward users with points for each purchase, leading to discounts down the line. However, the flip side includes potentially high interest rates and fees that can quickly stack up if not managed prudently. Making the most of interest-free financing for larger items—like those tempting big-screen TVs—might also seem like a win, but failure to pay off the balance promptly transforms that advantage into a costly mistake.
Some key aspects to weigh include:
- Interest Rates: They can vary widely between the credit card and store card, influencing how much you'll ultimately pay over time.
- Promotional Offers: Temporary deals can be enticing, but understanding their terms is fundamental.
- Impact on Credit Score: Opening new lines of credit can impact your credit rating for better or worse, depending on how you handle them.
Making Informed Decisions
The ability to make decisions based on comprehensive knowledge often separates effective financial management from carelessness. When shopping at Best Buy, being armed with the right information is paramount. This means not only understanding how credit works but also recognizing personal financial limits and planning accordingly. Before diving headfirst into that shiny new laptop or gadget, consider the following:
- Budgeting: Create a fixed budget aligned with your income and expenses, and stick to it. Never bite off more than you can chew.
- Research: Investigate all credit options available. Comparing them can provide critical insights on which will benefit you most.
- Long-Term Plans: Consider how a purchase fits into your overall financial strategy—think beyond the immediate joy of buying.
