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How to Buy a Gaming Console Bundle

How to · Tech

How to Buy a Gaming Console Bundle

Spread the cost of your new setup over 18 months to avoid a lump-sum hit during the holidays.

VoAtlas editorial Updated · 3 min read
Typical cost $650 before anything else
Across the 0% window $36.11/mo 18 months, no interest

How we got that: $650 spread evenly across the 18-month introductory window on the Citi Simplicity® Credit Card. Checked · at the bank Carry a balance past the window and the standard APR applies to what is left.

A gaming console is a multi-year investment, not a seasonal toy. You want to pick a bundle that covers the hardware and the games you actually play so you aren't buying accessories piece by piece later.

Check the release cycles before you bite. A new model often drops right before the holidays, which makes last year's version a smarter buy. It usually costs less and has a massive library of games ready to go.

That 0% window is a deadline, not a gift. If you still have a balance left when the 18 months are up, you will start paying interest on whatever remains, which makes the console much more expensive than you planned.

The steps

  1. 01

    Compare the bundles

    Don't just look at the console price. Check what games and controllers are included in the $650 package. If you already own one of the games, the bundle isn't worth the extra cost.

  2. 02

    Set your budget

    Expect to spend around $650 total for a solid bundle. Make sure this fits your monthly cash flow before you commit to the purchase.

  3. 03

    Use the right financing

    The Citi Simplicity® Credit Card offers 0% for 18 months on purchases and balance transfers from date of account opening. This lets you break your $650 cost into payments of $36.11 a month.

  4. 04

    Set auto-pay

    Link your bank account to the card for automatic monthly payments. You need to ensure the $36.11 leaves your account on time, every month, without you having to think about it.

  5. 05

    Clear the balance

    Treat your payment schedule like a rigid bill. If you pay the full amount within the 18-month intro window, you keep the deal and avoid extra costs.

  6. 06

    Check the card terms before you commit

    Every figure we publish for the Citi Simplicity® Credit Card carries the date a person verified it against Citi and a link to where they checked. Intro windows and APRs change without notice, so confirm the current terms before applying.

    See Citi Simplicity® Credit Card terms →

Common questions

Should I wait for Black Friday?

Yes, stores often bundle extra controllers or gift cards during late November. Just watch out for bundles that include games you don't actually want.

What happens if I miss a payment?

Missing a payment can void your 0% rate and trigger late fees. Always set up autopay to keep your account in good standing.

Is the interest really 0%?

It is for the 18-month intro window. It is not free money, just a way to defer the total cost over a longer period without added interest fees.

Can I pay it off faster?

Absolutely. Paying more than $36.11 a month is smart because it clears your debt sooner and keeps your credit utilization low.