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RBS Citizens vs. Barclay?

J

jdspc

macrumors newbie
Original poster
Aug 13, 2014
7
0
Hi guys, long time lurker but first time poster

i have a question about apple store financing. what's the difference between the student rbs citizens card and the barclay card for the apple store, besides the interest rates and special offers? is one easier to get than the other?

sorry if this is in the wrong thread.

thanks
 
hallux

hallux

macrumors 68040
Apr 25, 2012
3,437
1,005
The company/bank that backs it. The Citizen's Bank one may be easier as it's geared toward students who won't typically have a significant credit history.

For what it's worth, RBS Citizens beat the manufacturer's advertised finance rate by .19% when I bought my car 3 years ago.
 
I

iBanker

macrumors regular
Aug 14, 2014
108
1
46th floor
yg17 said:
Do yourself a favor and don't finance a computer.
Click to expand...

I financed a MacBook two years ago - it was essentially an interest-free loan for three months, I paid the principal before the grace period ended. Why not delay payment at no cost?
 
Y

yg17

macrumors Pentium
Aug 1, 2004
15,027
3,002
St. Louis, MO
iBanker said:
I financed a MacBook two years ago - it was essentially an interest-free loan for three months, I paid the principal before the grace period ended. Why not delay payment at no cost?
Click to expand...

Because unless you can predict the future, you never know if you'll run in to some sort of emergency that requires you to spend the money on other things, now you're stuck with a loan on a MacBook at what is probably at least a 20% APR.
 
mobilehaathi

mobilehaathi

macrumors G3
Aug 19, 2008
9,368
6,352
The Anthropocene
jdspc said:
Hi guys, long time lurker but first time poster

i have a question about apple store financing. what's the difference between the student rbs citizens card and the barclay card for the apple store, besides the interest rates and special offers? is one easier to get than the other?

sorry if this is in the wrong thread.

thanks
Click to expand...

Find the terms and read each: that's the best way to figure the differences.
 
maflynn

maflynn

macrumors Haswell
May 3, 2009
73,478
43,405
mobilehaathi said:
Find the terms and read each: that's the best way to figure the differences.
Click to expand...

That's generally what I do. I look to see which product has the best terms and go for that :)

Free financing is usually a good one to embrace, if you can pay off the balance before the expiration date of the deal, i.e., don't delay otherwise all the accrued interest is applied.
 
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