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Apple Watch return policy?

mattopotamus said:
rich and a high credit score have no relation, but credit limit does tie into income. I would venture to say there are very few people who have a single card with a $25k limit. IMO, you would actually have to be very well off to get a limit that high b.c your income would be a huge factor.

I'm 27, far from rich, and have a score of 793 and do not think I could get a single card with a $25k limit. I would think a lender would want someone making $150,000 plus to give them that kind of limit.
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Even with a high credit score you may already have a loan for a $40,000 car and plenty of available funds on multiple credit cards. I would be a pretty nervous lender if you already have 5 credit cards with very high limits with no balances. Even having too many open accounts in excellent standing is not good. The question begs why even have those open accounts in the first place?

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Chupa Chupa said:
Not sure why you would care since, based on your previous posts, you aren't getting one until the cow flies over the moon.

But all Apple Store purchases have a 14 day return policy as long as the returned item is returned in saleable condition. There is zero reason to believe Apple is going to change its policy on this. You are just being a troll.
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So I can't ask a honest question? Instead I get insulted? I bet you treat everyone like this you big bully!!!
 
cdm283813 said:
What's stopping me from getting the $10,000 model on a credit card so that I can use it for a week while on a business trip and when I get back just return it for a full refund? Or switch different bands every two weeks?

What's the policy for other high priced watches?
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Maybe the fact that you could damage it thus making it not returnable.
 
bige12 said:
I think there will be a no return policy for watch, because how are you going to erase everything
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There will be a way to restore it to factory settings.

Apple has always accepted hardware returns within their stated 14 day return policy. The watch will be no exception.
 
cdm283813 said:
What's stopping me from getting the $10,000 model on a credit card so that I can use it for a week while on a business trip and when I get back just return it for a full refund? Or switch different bands every two weeks?
What's the policy for other high priced watches?
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I believe the policy would be different for the Edition to prevent that. Anybody who makes such a major purchase probably isn't going to change their mind after a week.

But what's to stop you from "trying" any product that offers returns for a week?
 
Apple return policy for watch

What is the return policy for watches bought online? Thanks.
 
I don't live near an Apple Store. The closest one is five hours away. The only to see it before deciding is to order one.
 
Iceage said:
I don't live near an Apple Store. The closest one is five hours away. The only to see it before deciding is to order one.
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if you buy online, you have to return it back to the online store, at least, thats how it is in the UK
 
I hope it's like that because I have no intention to return it to the Apple Store if I don't want to keep it.
 
Chupa Chupa said:
Not sure why you would care since, based on your previous posts, you aren't getting one until the cow flies over the moon.

But all Apple Store purchases have a 14 day return policy as long as the returned item is returned in saleable condition. There is zero reason to believe Apple is going to change its policy on this. You are just being a troll.
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The troublesome part of saying an item has to be in re-sellable condition for a full refund is cases where you need to break or tear some of the packaging to open it. I don't expect Apple would nitpick over something like the protective film you'll need to remove to try out the watch. You can always stick it back on but it's obvious it's been previously removed.

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Newtons Apple said:
Rich is relative for sure.
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You can't assume a person's wealth based on their credit rating or credit card limits. I have family members with very low income but impeccable credit who have pretty high limits on their credit cards (which they never come close to using.)
 
freediverx said:
The troublesome part of saying an item has to be in re-sellable condition for a full refund is cases where you need to break or tear some of the packaging to open it. I don't expect Apple would nitpick over something like the protective film you'll need to remove to try out the watch. You can always stick it back on but it's obvious it's been previously removed.
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The other thing that could go wrong with the plan would be if the band started to mould to the shape of your wrist or pick up oils from your skin. Shouldn't be an issue with the plastic band, but could be, with a leather band.

freediverx said:
You can't assume a person's wealth based on their credit rating or credit card limits. I have family members with very low income but impeccable credit who have pretty high limits on their credit cards (which they never come close to using.)
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Agreed. Pre GFC, my bank gave me a credit card with a $20K limit when I got my first full-time job after graduating. My income and savings since have risen to a point where that couldn't get me into trouble, but it was ridiculous at the time. In the wake of the GFC, credit providers are a more conservative, but I haven't heard of any banks lowering limits on existing cards for ongoing customers - and not everyone's income has gone up.
 
Well, you will definitely be able to return it within 14 days in Europe, as this is required by law. (For online purchases. That law does not affect return policies for locally purchased goods)
 
Newtons Apple said:
Rich is relative for sure.
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Rich is VERY relative. I actually do not consider $25K to be a very high limit. I had a client recently who paid for about $800 and was wondering if it would go through since she had charged about $52K on it that morning (she had, I could see the charge). The little one I did went right through.

I am certain I know at least 20 people with limits over $50K.
 
Since there is no apple store near me (300 miles away) i would like to buy both models and return one once i try both
 
freediverx said:
The troublesome part of saying an item has to be in re-sellable condition for a full refund is cases where you need to break or tear some of the packaging to open it. I don't expect Apple would nitpick over something like the protective film you'll need to remove to try out the watch. You can always stick it back on but it's obvious it's been previously removed.
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That's not what re-saleable condition means though. That would be "new, factory sealed." Re-salable means the product is in perfect condition, not the packaging. So, for example, you scratch up the case. That watch (or iPhone, or Mac, etc) is no longer in re-salable condition. It's the same policy Apple has for all it's products. Damage the box -- OK. Damage the product -- not OK.
 
mattopotamus said:
Actually a high credit limit is important. In the sense the amount of new accounts effects your credit (negatively if you are not active) and the debt to available ratio 5% is ideal.
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Yeah. I'm not a trust fund baby and I have several credit cards with limits that far exceed the price of the Apple Watch Edition.
 
mattopotamus said:
rich and a high credit score have no relation, but credit limit does tie into income. I would venture to say there are very few people who have a single card with a $25k limit. IMO, you would actually have to be very well off to get a limit that high b.c your income would be a huge factor.
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I don't know, I used to fight with credit card companies to lower my limit but I've given up. I have 1 card that is a $25k limit and it blew my mind, I was like what the hell are you doing CC company but my other CCs aren't far behind.

And although I think 14 days is enough for me to figure out if the watch is comfortable (I knew immediately with the Basis Peak and Charge HR that they weren't), 14 days isn't enough for me to evaluate the use but I'll give it a week to decide
 
KauaiBruce said:
Rich is VERY relative. I actually do not consider $25K to be a very high limit. I had a client recently who paid for about $800 and was wondering if it would go through since she had charged about $52K on it that morning (she had, I could see the charge). The little one I did went right through.

I am certain I know at least 20 people with limits over $50K.
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Yeah. 25K you can get from most major credit card issuers without proof of income. Just have to have a good credit score and a good payment history if your stated income isn't high enough to qualify off the bat. Come to think of it, I'm pretty sure our credit union never asked for proof of income for our cards with double that, though we do have a mortgage with them.

Then there are charge cards. I'm not thinking AMEX would bat an eyelash at anyone with a Gold or Platinum charge card buying an Apple Watch Edition. In fact, that would be a good idea for extra buyer protection and points (we use our Platinum for travel perks).

However, I have no interest in owning the Edition. Bit high for me for a first gen smart watch. I'm not really into watches, though. People who are will probably be more likely to buy the Edition.

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leenak said:
I don't know, I used to fight with credit card companies to lower my limit but I've given up. I have 1 card that is a $25k limit and it blew my mind, I was like what the hell are you doing CC company but my other CCs aren't far behind.

And although I think 14 days is enough for me to figure out if the watch is comfortable (I knew immediately with the Basis Peak and Charge HR that they weren't), 14 days isn't enough for me to evaluate the use but I'll give it a week to decide
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The only nice thing about higher credit limits is lower utilization rates when you use your cards.

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freediverx said:
The troublesome part of saying an item has to be in re-sellable condition for a full refund is cases where you need to break or tear some of the packaging to open it. I don't expect Apple would nitpick over something like the protective film you'll need to remove to try out the watch. You can always stick it back on but it's obvious it's been previously removed.

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You can't assume a person's wealth based on their credit rating or credit card limits. I have family members with very low income but impeccable credit who have pretty high limits on their credit cards (which they never come close to using.)
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Yeah. My mom is retired on a very modest, fixed income. I opened a 0% intro rate card for her online (she wanted to consolidate a few balances from some store cards) while she was at my house the other day and the limit was quite high. Despite her lower income. She's got a good credit score, though. :)
 
lulla01 said:
I think the watches will carry 14 days except for the edition which is probably final sale.
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I bet the Edition will have the same return policy as the rest. I bet they'll be VERY selective about the "same condition as purchased" thing for the Edition if it does get returned, though.
 
bunnicula said:
The only nice thing about higher credit limits is lower utilization rates when you use your cards.
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That's the main reason. Say I have a 5k credit card. I wouldn't want to use more than 30% or so of it at any time as it would lower my score. I forget what exactly that magic number is for credit utilization. I try to keep mine under 5% at all times (it's closer to zero). Altogether, my available credit is around 200k. Never pay interest.

You want as high a credit limit as possible (max out 401k, roth iras, kids' roth iras, HSA, and have a few taxable investments). It doesn't mean you use it all. Getting a decent credit score is easy. Just pay your bills within 30 days. Have multiple accounts.
 
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