Just be responsible and pay off your balance each month and show you are a good credit risk and your credit limit will increase in time.My credit limit is too low to buy an iPhone so I don’t think this is an option for me
Just be responsible and pay off your balance each month and show you are a good credit risk and your credit limit will increase in time.My credit limit is too low to buy an iPhone so I don’t think this is an option for me
Quite a sad state of a affairs when people are financing their iPhone purchase. Maybe I come from a different mentality, but how I look at it is, either you can afford it, or you cannot. The only exceptions to this rule for me is when it comes to acquiring a new property or vehicle.
I feel bad for the Apple Retail people. Now, they’ll have to push people to buy Apple Care+ and also try to push them to sign up for Apple Card.
The information does not provide clarity for people who pay off their balance in full each month but just want to pay the minimum required for the phone itself.
Anyone have information on this? It seems like a lot of manual work in this case.
"When using Monthly Installments, the cost of your new iPhone is divided into 24, interest-free monthly installments. Each installment is included in your Apple Card minimum payment and is due every month for 24 months. Monthly Installments are billed to your Apple Card statement on the last day of the month."The information does not provide clarity for people who pay off their balance in full each month but just want to pay the minimum required for the phone itself.
Anyone have information on this? It seems like a lot of manual work in this case.
Quite a sad state of a affairs when people are financing their iPhone purchase. Maybe I come from a different mentality, but how I look at it is, either you can afford it, or you cannot. The only exceptions to this rule for me is when it comes to acquiring a new property or vehicle.
It's their job as a sales person. Do you also feel bad for a fast food worker when a new item is added to the menu? lol
If you don't like the person-to-person sales format then you should purchase your items online. #Simple
Well, then they wouldn’t have anything to moralize The Youths over.ok boomer.
If it's interest free, what's the difference in paying it off monthly versus all at once?
Quite a sad state of a affairs when people are financing their iPhone purchase. Maybe I come from a different mentality, but how I look at it is, either you can afford it, or you cannot. The only exceptions to this rule for me is when it comes to acquiring a new property or vehicle.
I feel bad for the Apple Retail people. Now, they’ll have to push people to buy Apple Care+ and also try to push them to sign up for Apple Card.
They must be pushed really hard internally to make Apple Care+ sales. I’m sure the same will be true for Apple Card sign ups. When I bought an iPhone earlier this year, the sales guy asked me several times during the course of the transaction if I wanted to add Apple Care+. I finally had to be more blunt than I’ve ever had to be with any Apple Retail person and say, “Look, man, I don’t want it. Please stop asking.”
Maybe a cultural thing but I don’t get paying off a phone in installments like at all.
Either you can afford something right away or you just wait til you can.
Not talking about something big like a house of course.
Just the thought of having any debt gives me an anxiety attack personally lol
It’s not their job to ask the same question multiple times throughout the course of a single transaction. If they’re being coached to do that, it’s bad coaching. The person at the fast food place doesn’t ask me multiple times if I want to upsize my meal.
That was the main point of the post you replied to -- that my last experience with Apple Retail several months ago was with an overly pushy sales person who would not let go of my not wanting to buy Apple Care+. That's the first time I've experienced that kind of pushiness in over 10 years of doing face-to-face business with Apple in their stores. I guess I didn't make that clear enough in my post. My apologies.
Anybody know if you can put the Sim free Unlocked iPhone on this plan?
It says "One Time" payment but then the link sends you to how you can make payments, soooo?
As it generally comes to anything, it depends on the details and how it's used.Well, then they wouldn’t have anything to moralize The Youths over.
Apparently an easier/more realistic way of paying for expensive things depending on someone’s financial situation is yet another symptom of…something? I don’t know what, but it’s something bad. Revolving credit is bad and wrong.
Of course. Using credit responsibly is one of those things that might be immensely beneficial, might not, but certainly can’t hurt you. I don’t get the backlash by some (including here) against credit and the implication that anyone who uses credit can’t afford what they’re buying, that it’s just free money. Heck, using credit well can absolutely allow one to afford a little more when it comes time to make a really big purchase like a house or car.As it generally comes to anything, it depends on the details and how it's used.
I just chatted with Apple about this:Anybody know if you can put the Sim free Unlocked iPhone on this plan?
It says "One Time" payment but then the link sends you to how you can make payments, soooo?
hmmm that’s promising at least... but weird it doesn’t seem to have the option when you try to order on the website? Keeping my fingers crossed that there’s a way...
Be sure you're placing your order from the iPhone where your Apple Card is stored. When you buy the phone, you're charging the entire amount on your Apple Card. The option to make payments is only available on the card, not during the Apple checkout process.hmmm that’s promising at least... but weird it doesn’t seem to have the option when you try to order on the website? Keeping my fingers crossed that there’s a way...
Why is that bad news? It simply means you charge your iPhone purchase on your Apple Card, if you have one and if you have sufficient credit available. If you don't have an Apple Card, you have to apply for one and that is based on your creditworthiness. There's no bad news. It's just the way it works.Bad news:
Be sure you're placing your order from the iPhone where your Apple Card is stored. When you buy the phone, you're charging the entire amount on your Apple Card. The option to make payments is only available on the card, not during the Apple checkout process.
Why is that bad news? It simply means you charge your iPhone purchase on your Apple Card, if you have one and if you have sufficient credit available. If you don't have an Apple Card, you have to apply for one and that is based on your creditworthiness. There's no bad news. It's just the way it works.
Yes, it does. I just bought 2 unlocked SIM-free iPhone 11 Pros.It seems it doesn't work with SIM free version of the iPhone.
That's not true. You can buy an unlocked, SIM-free phone that works with any carrier, and still finance for 24 months with the Apple Card. I just did it.It is bad news because if you are someone who uses a third party carrier like Mint Mobile and want to purchase a phone on installment interest free, you will not be able to use the Apple Card. Sure you can pay for the iPhone with the Apple Card. However, you cannot do the 24 month payments. You have to have It associated with the main four carriers.