Frequently Asked Questions
|Customer Service Is Our Specialty|
So why should you shop or get a loan at Crazy Charlie's? Simply put, to get the best possible deal around on the finest of merchandise from our friendly, well trained, and educated staff, or to get the maximum amount of loan on your collateral.
What types of items do we take for collateral at Crazy Charlie's?
Most things of value! We do have a saying of 'Nothing that eats or excretes' as we have, and still are, constantly being offered pet snakes, unruly children, and noisy birds. The most popular items pledged include gold and platinum jewelry, diamonds, quality tools, firearms, coins, musical instruments, TV's, computers, metal detectors, camcorders, cameras, swords, knives...the list goes on and on! Part of the fun of this business is that it is different every day. I have over 12 years of experience in the pawn business and I STILL get offered things that have never come in before!
IN ALL CASES, THE ITEM MUST BE FULLY FUNCTIONAL, WITH ALL KNOBS, DOORS, BUTTONS, CORDS, ANTENNAS ETC PRESENT AND WORKING!!! IF YOU NEED TO TELL US ABOUT HOW SOMETHING EITHER DOESN'T WORK, OR SORTA WORKS, OR WORKS SOMETIMES, WE DO NOT WANT IT!!! ALL ITEMS WILL BE TESTED FOR FUNCTION!!! The reason we have to be so fussy is because we only sell items in good working condition. Items we accept are subject to change as is the amount we will loan. We do not accept ALL brands and/or models of the above items for collateral, so we of course reserve the right NOT to take something, even if it is on this list!
Do you buy as well as loan?
Yes, and you may get a slightly higher amount by selling, but we cannot hold the item for you.
How much can I get?
That depends. We really have no maximum amount that we loan on an item. We loan a portion of the amount that we can expect to receive if we have to sell the item if you do not come back to get it. It is based upon years of experience and how well and fast different types of items sell and does not relate to how much the item cost new. Yes, your item is worth more than we are loaning on it and we will take your past loan record into consideration, both the redeems AND the losses. We must see and examine the item before we can give an estimation, however. MOST people do pick up the items they put into pawn, but we have to look at all things by what we could sell them for if you didn't come back.
What do I need to have to take out a loan?
You will need a state issued picture ID card or drivers license. This can be from any state. We CANNOT take anything from you without ID! PERIOD!
Will my items be safe?
Yes they will. We are licensed, bonded, insured, and have undergone an extensive background investigation in order to be in business. Our store is highly secured with walk-in vaults, multiple security systems, monitored camera systems and armed personnel. All of us have heard the horror stories concerning items left in pawn. This is NOT the case at Crazy Charlie's! Many people, in fact, are so comfortable with us that they pledge their jewelry, coins and firearms for a small loan in order to have it safely stored, retrieving it when they want to wear or use it.
What are the terms of the loan?
A pawn is a 30 day loan The interest runs 25% per month or any portion of a month. You can pay the interest on your loan and this will extend your pawn another 30 days.
How many tickets can I have at once? How often can I pawn something?
In short, as many as you want and as often as you want! We have many regular customers that pawn daily or even more often and others we see but once a year. You can bring in as many different items as you want, or you can bring in the same item many times.
I want to pawn more than one item. Will they all be on one ticket?
We can put numerous items on one ticket, or we can put each item on seperate tickets.
I want to get a loan on something that I bought from you....do I get a better price?
On jewelry that you buy from us, if the item is still in good condition we will loan you up to one half of the original purchase price, AS LONG AS YOU BRING IN THE ORIGINAL SALES RECEIPT!! Other items, such as electronics, tools etc, are subject to our regular lending rules.
Do I have a 'grace' period on the loan?
Yes. Mississippi law allows a 30 day grace period on all pawns! There is an additional interest charge during this grace period, but it can give you the extra time needed to pay an extension or redeem your pawn.
What if I can't pay the loan off?
You may pay just the interest. This will give you another 30 days. We do allow partial principal payments at the time the interest is paid. If you are out of town or cannot come in, you can have someone else pay the interest for you.
Can I have a friend/spouse/family member pick up my loan?
Yes, as long as you give them the original pawn ticket your were given at the time of the pawn.
Can I get information about my loan over the phone?
We treat ALL transactions as confidential, so we are limited to what we can tell you over the phone. Due dates and interest amounts are the only information that can be given. We CANNOT tell you what is on each ticket, determine which ring is in which loan or give you other such info over the phone. This is to protect your right of privacy!
I just realized that my loan expired a few weeks ago. Can I still get my items?
Maybe. But it may have already been sold, listed on the internet for sale, sold for 'scrap value' or otherwise not available.
I lost my ticket....what now?
Just bring in your ID. There is a $5.00 lost ticket charge for each ticket. This is charged even if you still have your ticket but do not have it with you, and is non-refundable. IF YOU DO NOT HAVE YOUR TICKET, YOU WILL NEED YOUR ID!!!! NO EXCEPTIONS!!!!
I think I see something out for sale that was taken from me. What should I do?
The VERY first thing to do is to make a police report. ALL items that we take in are checked out by the police. We hold all purchases for a 21 days and loans are held for 60 days before we can sell them! WE CANNOT GIVE YOU ANY INFORMATION ABOUT WHO PAWNED/SOLD US AN ITEM! Remember that manufacturers make thousands, if not millions of the same item and that you are not the only one who bought one. Serial numbers, inscriptions, markings and suspected individuals are all very important items to put on the report. Less than one tenth of one percent of ALL stolen items end up in a pawn shop. Most are sold at flea markets, construction sites, second hand shops, and friends. If you do have a police report filed and have the case (DR) number and the item is listed, we can put a hold on it while you contact the detective on your case. We cannot, however, just give you the item back. We will do everything we can to work with you, but you need to follow the procedures set up by the police department and the State Department Of Banking And Finance! This includes prosecuting the individual(s) involved!
Do you offer any guarantees on an item that I buy?
We have a fully equiped test station and all items will be tested and shown to be working properly before leaving the store.
What are the laws and policies concerning the pawn of a firearm?
We accept firearms in pawn. Federal law, since 1968, states that you must be 18 to buy or pawn long gun (rifle or shotgun) and 21 to buy or pawn a handgun. You will be subject to a background investigation BEFORE a pawned gun can be returned to you!! If you have a valid Mississippi issued concealed weapons permit (CCW) you will NOT have to do the Brady paperwork or submit to the Brady background investigation!
Do you do layaways?
YES!! A deposit of 20% holds an item in layaway for 30 days. Each time you come in and pay another 20% on your layaway, it will be extended for another 30 days. We do not charge a service fee for layaway, but all layaways are final and there are no refunds.
So just what do you sell at Crazy Charlie's LLC?
Jewelry, TV's, VCR's, DVD's guns, (LOTS of guns - in fact, we are the ONLY pawn shop in the Greenwood area that can sell or pawn guns!) ammunition, CD's, DVD's, cameras, tools, musical instruments, video games, computers, mountain bikes, holsters, pool cues, camcorders, printers, golf clubs, metal detectors, silverware, watches, binoculars, scopes, swords, knives, microwaves, ....the list just goes on. Remember, it's ALWAYS a BARGAIN for YOU at Crazy Charlie's LLC!
So.....what did I forget? Surely you must have more questions. We are the Delta's FRIENDLIEST pawn shop and we are here to serve you! Stop by and find out why we are the locals favorite and the visitors choice for any of our services and products. We understand your situations and will do our very best to make you a happy customer. If we have missed something or you have more specific questions, contact us at 662-455-5644 or Email Us