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Apple Financing Barclay Card, watch.


macrumors 6502
Original poster
Sep 13, 2012
Hi all,

Will any of you be using the financing for the new Apple Watch?

Or - do any of you currently have the Barclay card with Apple? Do you like it?


macrumors 68040
Apr 17, 2017
Cupertino, CA
Yes, I do. I do all my financing with it and you can get 6-18 months interest free depending on the total amount spent on the purchase. The more you spend the more gift card you will earn back.
Last edited:
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macrumors member
May 14, 2015
Cincinnati, OH
I've used it for 3 of my larger apple purchases as well to get the interest free financing, but it's a pain after the promo period is over - Barclays will fight you and tell you that you don't have an active interest free promotion.

The first time this happened, I noticed my purchase was accruing interest, so I called Barclay's Customer Service to find out what happened. They fixed it for me and credited back all the interest I was charged and applied the 18 month period after the fact, as it had taken me a couple months to catch what happened. They then told me that if I was wanted to make a purchase using that promo, to call first so they could activate the interest free option.

So the next time I bought something I did just that, and then was told I couldn't have the interest free promo at all. I about had a fit. What was the point of getting the credit line? Why would I use it if I could finance something interest free through AT&T? I had to push for it, but they gave it to me since I had been told I could keep using it like that, but they said I had to make my purchase first, then call, then they added the promo. That was a few months ago.

Then I had to buy new phones a month later, but I still had a large balance due to a recent iPad purchase, and I didn't feel like dealing with the hassle, and AT&T had a BOGO going, so I just did the AT&T monthly payment thing. Not sure if I will ever try to use the Apple card for interest free again since it apparently isn't what they make it out to be, and was truly annoying to jump through the hoops, and deal with stupid customer service.
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macrumors 6502
Sep 14, 2012
Last year I had planned on signing up for a Barclay card for this promo, but they needed me to send a copy of SSN card and a couple other things before the application got approved. This is with me having a FICO in the high 700s and no credit issues. I said no to all that. Didn't appreciate Barclay needing all that.

Signed up for a new credit card elsewhere I get more points on plus the no interest plan for so many months.
Not sure what I will do in a couple years when I upgrade to new phone. Might have to find a new credit card for that purpose.


macrumors 65816
Aug 30, 2011
Used Barclays Visa. Called before preorder to make sure Zero percent interest would be applied to my account on the latest Apple purchase

If you don’t have The Barclays visa from a previous order just select financing option. Barclays will run a credit check and give a spot approval.
If it’s declined you can still make other purchase arrangements.


macrumors 65816
Sep 4, 2012
The card will sometimes have an active 0% offer available. Just give them a call if it doesn't. Tell them that you plan to make a purchase and ask them if the 0% offer can be applied to that. I've never had a problem doing that.
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