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Old Aug 13, 2014, 11:20 AM   #1
jdspc
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RBS Citizens vs. Barclay?

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
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Old Aug 13, 2014, 11:30 AM   #2
hallux
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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.
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Old Aug 18, 2014, 07:52 AM   #3
yg17
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Do yourself a favor and don't finance a computer.
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Old Aug 21, 2014, 10:08 PM   #4
iBanker
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Do yourself a favor and don't finance a computer.
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?
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Old Aug 22, 2014, 07:26 AM   #5
yg17
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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?
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.
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Old Aug 22, 2014, 08:55 AM   #6
mobilehaathi
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Quote:
Originally Posted by jdspc View Post
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
Find the terms and read each: that's the best way to figure the differences.
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Old Aug 28, 2014, 05:14 AM   #7
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Find the terms and read each: that's the best way to figure the differences.
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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