I did on 30th April and signed today and they said it's all ok - so not sure why the first rep told me it will be canceled - maybe they are starting over the next few days - hope you get your watch
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Barclays backing out of finance
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I did on 30th April and signed today and they said it's all ok - so not sure why the first rep told me it will be canceled - maybe they are starting over the next few days - hope you get your watch
Is there a difference in a reg Barclaycard and the Barclaycard with apple rewards? Also could there be a difference in the US and UK card? I applied on Thursday through the apple site got approved placed an order for 2 and have not heard anything else about this.
They better not cancel my order, I had no intent to finance it, I only wanted the 3x rewards for Apple Store purchases.
Also, people acting "better" because they don't finance things. Why wouldn't I? As someone said, I have great credit and am very responsible with money. I may have the money, but if I can pay it over time at 0% why the hell would I not do that? Having cash is extremely liquid, and I rather have that if I need it in a pinch. I have bought every one of my Macs on my Barclay card, I love the thing. Plus I got $50 back on my last Mac that I used against my Apple Watch. Financing is only stupid for those that don't understand it, I have never paid a dime over the purchase price for anything I finance, the finance companies hate it, but thats fine with me.
Also, people acting "better" because they don't finance things. Why wouldn't I? As someone said, I have great credit and am very responsible with money. I may have the money, but if I can pay it over time at 0% why the hell would I not do that? Having cash is extremely liquid, and I rather have that if I need it in a pinch. I have bought every one of my Macs on my Barclay card, I love the thing. Plus I got $50 back on my last Mac that I used against my Apple Watch. Financing is only stupid for those that don't understand it, I have never paid a dime over the purchase price for anything I finance, the finance companies hate it, but thats fine with me.
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i have 13 months to come up with $1012.
It will be a struggle and tons of discipline but I am rather confident that $18 a week, isn't going to set our household back. If this was the case.
I figure if we cut two dinners out our sons meals each week that too will ensure the $18 a week won't be an issue.
Of course we'll still feed him, Ramen Noodles should fill him up.
It will be a struggle and tons of discipline but I am rather confident that $18 a week, isn't going to set our household back. If this was the case.
I figure if we cut two dinners out our sons meals each week that too will ensure the $18 a week won't be an issue.
Of course we'll still feed him, Ramen Noodles should fill him up.
I make all my big purchases on my credit card, but I pay it off immediately. I do it for the points.
I do like building rewards with a lot of these cards. Even though when I purchase something I have the money to pay cash for it.
I think like others have said. There are ppl who think that they somehow can distinguish themselves by buying products that are more expensive than others. And being able to flaunt that to other ppl. As if it made them any better. Never understood why ppl have to prove themselves by the toys they can buy with cash. It's a strange mentality some ppl have. It's the I am better than you cause I can afford more stuff than you crowd. Anyways, that's my rant for the day lol.
I think like others have said. There are ppl who think that they somehow can distinguish themselves by buying products that are more expensive than others. And being able to flaunt that to other ppl. As if it made them any better. Never understood why ppl have to prove themselves by the toys they can buy with cash. It's a strange mentality some ppl have. It's the I am better than you cause I can afford more stuff than you crowd. Anyways, that's my rant for the day lol.
A mortgage is a bit different to your normal loans that people use to go on holidays or buy new phones/watches, which is what I was getting at. I just don't understand people who put things like Apple watches on finance. Even when I got my iPhone contract I paid a huge sum of money for the phone up front and have a lower monthly fee during my contract duration.
I could have paid half (or less) up front and more each month, but it worked out that it would cost me an extra £200 over the 2 year contract period. I also looked at buying the phone outright and then getting a sim only deal, but the one I am on now was the best value. However you get some people who want the phone for £100, then pay £60 a month for 2 years and it ends up costing them far more in the long run. That's what I don't agree with, but that's just me. Others can do what they like with their finances.
Also, how on earth do you know that I havn't bought my house outright? You know nothing about me and how much I earn.
How on earth do most presumptuous people know my financial status or income.
Well my assumption is if you can't afford to buy a house out right you don't deserve a house just like any on financing a computer or phone shouldn't have it if they can't afford it.
Look at the number of foreclosure a the U.S. has seen in the last 10 years. Then again look at how many people haven't been foreclosed on.
I work with a lot of people that don't have $350 to plop down on a watch. But they surely have $8 dollars a week they can spare.
Then again my son has $40k in student loans that we are paying, woohoo
My point was not to delve into your personal finances, just to show that a blanket rule about not financing things is unwise. Financing can be a good option for many things, including expensive tech toys in certain circumstances.
It's always a bad idea to tell other people how to spend their money.
Okay, makes sense. We all have our "fun" money. I definitely buy an Apple product or two out of my fun money nearly every year. So far it has been Air 2 and iPhone 6. Now an SS will come this summer. But this is all very discretionary income for me. I guess I would have financed the watch if it was easy as financing my iPhone was. Simple to just have my cell phone bill be a bit higher every month. No extra bill to pay.
Better not let some goon break that hockey stick though.
Yeah, you're part of an elite and exclusive club. Thanks for being better than everyone else.
Credit and financing are two different things in this context. Credit is walking into a store, getting what you need, and saying bill me. You have credit with the store. There is also the classic green AmEx credit card that must be paid in full every month. Credit allows flexibility to work with sums of money you'd rather not carry with you as well. Financing is typically used to extend payment terms on items you need but don't have the savings to purchase outright like a house or car.
The investment comments are pretty silly. Sure a wealthy person may finance a large purchase like real estate but I seriously doubt there are any billionaires out there financing $500 purchases. How much return are you losing by having that money out of the market for a few months? Not only that, no one is fully invested. You need money in a checking account to make daily purchases, pay bills, etc. Those are the funds that would be used for something like an Apple watch so it's going to be pretty rare the money is coming out of the market anyway.
DO NOT turn to Barclaycard this is what they want, they're credit cards are awful, just got out of one and will not be getting another any time soon
I was told via apple chat - maybe they don't know or got confused?
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Who says I can't afford it? And who's says finance = debt?
Yeah, you're part of an elite and exclusive club. Thanks for being better than everyone else.
The only person preventing you from doing this is YOU. I am no one special I just have a better understanding of how finances work and am frugal with my money minus a few frivolous expenses here and there. I live within my means and manage my money wisely, anyone can do what I do, most choose not to.
I tried looking at your profile to see but didn't see anything. Maybe that's the thing it's a UK thing. I know here in the states when I applied I filled out the info got immediately approved and purchased. Here in the states they don't require a form filled out like what I saw in your previous post
I'm UK
Heh. I can't wait for the day when you can buy an Apple watch at Rent a Center. Pay weekly payments of $15 and that Apple Watch can be yours!
Oh I had a lot of info to fill out and had to wait for approval or decline, and then had to sign agreement and wait for apple to approve the finance.
It went from waiting for payment to processing straight away though.