I purchased a new Macbook Pro last April. I could have paid for it up front at the time, but I decided to take advantage of the no interest financing terms available at the time and earn some interest on the money I would have spent up front. They were offering no interest for 6 months on your first purchase of under $900. No interest for 12 months on your first purchase from $900 - $2500. And finally no interest for 18 months on your purchase of $2500 or over. All you have to due was pay the minimum every month and have you balance paid in full by the end of your deferrment period. The financing is offered thru Barclay Visa. I applied for the card and go online to pick out my merchandise. After getting the configuration I wanted and adding on the protection plan I am just a bit (about $150 or so) under $2500. I needed a new printer anyway so I added that on to bring my total just over $2500. I am expecting that I will just be making minimum payments for the next 18 months since my first purchase is over the requirement. I immediately set up automatic payments with Barclay for the minimum each month. I also set up a calendar notice for myself to go off 2 months before the 18 month deferrment period ends so that I will not forget to payoff the balance. So I thought, there was nothing to worry about for the next year and a half. Cut to 6 months later, and I notice that I have been charged a finance charge from Barclay for interest. I call Barclay thinking that they just must have made a mistake. I am informed that Apple broke my original order up into 2 orders (eventhough I made a single order at the time). One order was for just under $2400 and the other for just under $200. Since they were separated like this, Barclay told me that I didn't qualify for the 18 month deferrment. Instead, the $2400 portion was deferred for 12 months and the $200 portion was deferred for 6 months. Since I didn't have the balance paid off on the $200 portion yet, Barclay charged me all the interest on that part. I am not done dealing with both Apple and Barclay on this issue. However, as it stand now this seems like a very deceptive practice to me. How is the consumer supposed to know that Apple will break a single order up into multiple orders? If they would have spelled this out, I would have either never financed or else paid the proper balance for the $200 portion on time. The interest on the $200 is not that much but it is the principle of the whole thing that really irritates me. If it had not been for Mint.com notifying me of the finance charge, I might have never noticed. Then when the larger balance of $2400 became past due in April 2011, instead of November 2011 like I was expecting, I would have been hit with with several hundred dollars in interest fees! This is bad business and almost amounts to what seems like an outright scam to trick you into missing your deferrment deadlines and paying several hundred extra dollars. I will be complaining to both companies to see how they respond to this and I will update once I get more info. Just be forewarned that the terms of your financing may not be what you think you are actually agreeing to.