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Apple Payment Plan
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Barclay approved me for $1500 with a 620 credit score. But I have a $115k income and I'm not sure if that tipped the balance on the decision.
People that brag about their supposed income online: lame.
To the OP, get the Barclay card. Your initial Apple Store purchases are interest free for 6 or 12 months depending on how much you spend. Plus they offer interest free promos from time to time.
To the OP, get the Barclay card. Your initial Apple Store purchases are interest free for 6 or 12 months depending on how much you spend. Plus they offer interest free promos from time to time.
Wasn't bragging. Just stating a possibility that income was a factor in the credit line amount that I was given so that the OP didn't apply, misinformed, and received a lesser amount or was rejected and as a result received a hard credit pull on his credit record for no reason.
Being helpful > bragging.
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Re-read.. 620 credit score. 0% financing.. paid off over 12 months increases the credit score.
Barclay approved me for $3800 with a credit score of 758. And I make 1/4 what you make.
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RBS Citizens gave me a 4k spending limit. My scores are in mid-700s for all 3 credit bureaus. They start at $499 for giving out these loans so you can kind of gauge what they will give you by looking at your score. I also had alot of inquiries so im surprised they actually gave me credit!
This made me lol, literally.
I was once told, "just because they make a lot of money, doesnt mean they have a lot of money, they could have a lot of debt".
From a finance point of view, it's a smart move especially for someone in an above average income bracket but a low FICO credit score.
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Could be many reasons, but the first question is why the low score ?
I have had a disappointing firsthand experience w/ Apple and RBS. Long story short, I was approved back in June. Then in late July, I made up my mind to purchase w/ the RBS payment plan. So I went through the process and things looked good. Then some technical or system problem happened with my order, and Apple did not get the payment approval from RBS. So I was left having signed a promissory note saying that I have taken out this loan, while Apple and RBS could not figure out how to get this issue resolved. This took place for over 3 weeks. So in the end their solution to me is to reapply for the loan, which would have meant that I would get another credit inquiry hit on my credit history. At that point, I said screw it, I will just purchase the base model from my local Apple store.
BTW, the supervisor at Apple who I was working with promised to send me a free bag, but to this day I have not received it because my original "stuck" order has my bag order in limbo as well Oh well.
BTW, the supervisor at Apple who I was working with promised to send me a free bag, but to this day I have not received it because my original "stuck" order has my bag order in limbo as well
Oh well.Very true. I know people with great careers who struggle with debt, and others who make very little money, but spend very little, and have large amounts saved. It all depends on the person. Wanting more than your means allow isn't reflective of any one income level.