I was thinking about using Apple's offer to use financing on an upcoming MacBook purchase, and was wondering if anyone has used it before. I would like some experiences that you all have had with it.
I was thinking about using Apple's offer to use financing on an upcoming MacBook purchase, and was wondering if anyone has used it before. I would like some experiences that you all have had with it.
If you're talking about the Barclay card, it's excellent, do it! Plan your payments out over 12 months and you'll pay for your Mac with zero interest.
If you're talking about the new student financing thing, it's terrible and charges abysmal interest rates. If that's the only way you can afford a new Mac then wait until you can afford one!
Eh, I think if you can't pay cash, you shouldn't be buying it. Better to not have a credit card, or anything like that at all (there are some obvious exceptions, like home loans etc).
you need credit though, so you'd want to maintain a credit card just to keep your credit score up. It's better to spend responsibly, and then you don't have to worry about having a credit card (NOTE: not implying the OP is irresponsible here...this is totally unrelated)
you need credit though, so you'd want to maintain a credit card just to keep your credit score up. It's better to spend responsibly, and then you don't have to worry about having a credit card (NOTE: not implying the OP is irresponsible here...this is totally unrelated)
Really? You need credit? You need a good credit score?
Only if you want to spend the rest of your life borrowing money.
If you don't want to be in debt you don't need a credit score.
Really? You need credit? You need a good credit score?
Only if you want to spend the rest of your life borrowing money.
If you don't want to be in debt you don't need a credit score.
Eh, I think if you can't pay cash, you shouldn't be buying it. Better to not have a credit card, or anything like that at all (there are some obvious exceptions, like home loans etc).
Really? You need credit? You need a good credit score?
Only if you want to spend the rest of your life borrowing money.
If you don't want to be in debt you don't need a credit score.
Really? That sounds... annoying, to say the least. Thankfully it's not like that in Australia.
Most people don't have hundreds of thousands laying around to buy a house. You'll need good credit to get a low interest rate.
Personally I never carry cash and always use credit cards. That doesn't mean I'm in debt. I pay my cards off monthly only because I hate holding a balance and incurring interest. The sole reason I use credit cards is because it helps my credit score as well as giving me cash back and extra perks. If you buy a car, lease an apartment or get a home loan, you NEED good credit and credit cards are an excellent way to build your credit. So, lets stop making assumptions on other members financial situation and just answer the question they're asking.
How does buying a car work there, do they have a "credit" system that they check for someone looking to finance a car?
Same. Credit cards can be very dangerous, but when used responsibly they are a great thing.
The point is, to the OP, definitely do it if you're sure you'll have the money to pay it off each month before the period of 0% interest ends. If you're not sure, then don't take the risk.
If you don't want to be in debt you don't need a credit score.
You don't need good credit to buy a house! The more a bank can make by you defaulting the more likely they are to give you a loan! If you default on a house, not only can they collect the sum for the rest of your life, they can also take the house back...and not return a penny you paid into it!!! It's a great scam!
I'm not bashing the OP and I'm not saying that you can never ever borrow money. But using credit to buy a laptop with the rationalization of "building credit so you can buy a house" is crazy talk. This is why the debt-to-savings ratio in this country is so atrocious.
I own a house. I have a great interest rate on a 15 yr fixed mortgage. I didn't need to borrow money to buy a computer to get the rate.
I'm not rich, but I know some folks who are. Most of them don't even have credit scores. ("Not enough credit history")
So in America you're forced to own, and use, a credit card to be able to buy a house when you're older? ...wow
I'm no expert as I've never taken a loan out, but from what I know, you go to a bank, and if you earn enough each year, you can take a loan out. As long as you don't have bad credit, which you obviously get by not paying back loans etc.
So in America you're forced to own, and use, a credit card to be able to buy a house when you're older? ...wow
I used Apple`s card to buy my mbp. Though I had the cash to buy it in the first place. I payed it off in 7 months and got a nice little boost in my credit rating.
In America the credit card companies have very clever yet misleading commercials on TV. They have a big influence on our youth. Sadly they will do nearly anything, like offering cash back or zero interest to get people to use their cards. The amount of consumer credit card debt in the US, is at an all time high. It's very sad. Before many young people reach age 25, they are in over their head in debt. Usually with no way to pay it off. It's a widespread problem.So in America you're forced to own, and use, a credit card to be able to buy a house when you're older? ...wow