Buying Macbook Air 11", question on financing

[Sangdushi]

You can apply in store. If you qualify, you can purchase it then. If you borrow money then repay it, that helps your score. However, what really helps your score is a pattern of consistently paying off debt. That's why I got into the habit of making everyday purchases on a card and paying it in full each month.

If you know for sure you will have the $400 next month, and you have the $700 now, it makes sense to purchase the Mac while the promotion is still on. For that matter, charge the whole $1100 now, put the $700 in a bank account, the $400 in that bank account next month, and make the regular payments if you are sure you can be disciplined enough not to spend the money on something else. However, if you aren't sure, then that's what gets risky.

If it works like a credit card can't I just pay off the $700 immediately so my balance is $400 and pay the rest off off next month? I would like to pay it off completely by next month. Or would that have a different effect on my credit?

 

[TheRealDamager]

If it works like a credit card can't I just pay off the $700 immediately so my balance is $400 and pay the rest off off next month? I would like to pay it off completely by next month. Or would that have a different effect on my credit?

Nothing wrong with that at all.

 

[Sangdushi]

ffffffffffffffuuuuuuuuuuuuuuuuuuuuuuuuuuuuuuuu


I just applied for the barclay visa card and to activate the card I had to make my purchase on the final page of the application. they gave me 30 minutes or it would run out and I would have to wait for the card to come in the mail for me to make the purchase.

after 10 minutes of deciding I clicked purchase and the offer timed out. now I have to wait for it to come in the mail to make the purchase. my frugality kicked in so hard and now I'm kicking myself. damnit

 

[Funkymonk]

Lmao you should've pulled the trigger. By the time you get the card in the mail the gift card deal will be gone. You applied for no nothing, might as well just buy it next month when you do have the money you bone head

 

[3dflyboy1]

it's a 4 year old hp. I've formatted countless times, slows down again probably after a day. if I need to write a paper or something and open word, takes about 5-7 minutes for it to load. web surfing even with chrome is a painful experience as well. countless other annoyances.

first world problems I know

Install linux on it!! I have an old hp laptop and it runs great with Fedora 15.

 

[KPOM]

If it works like a credit card can't I just pay off the $700 immediately so my balance is $400 and pay the rest off off next month? I would like to pay it off completely by next month. Or would that have a different effect on my credit?

True, but my point is that you could keep the money in a bank account (earning a whopping .5% or so, but still). Anyway, from a credit score perspective, what's most effective is a pattern of steady payments.

ffffffffffffffuuuuuuuuuuuuuuuuuuuuuuuuuuuuuuuu


I just applied for the barclay visa card and to activate the card I had to make my purchase on the final page of the application. they gave me 30 minutes or it would run out and I would have to wait for the card to come in the mail for me to make the purchase.

after 10 minutes of deciding I clicked purchase and the offer timed out. now I have to wait for it to come in the mail to make the purchase. my frugality kicked in so hard and now I'm kicking myself. damnit

The card will come in about a week. The gift card deal ends on the 20th so you should have time. If it gets close, call up Barclays and see if they will reactivate the online deal for you.

On a side note, apart from the deferred interest deal there is virtually nothing redeeming about the Barclay Card. The rates are high, and the card with the deferral has no rewards program, and the card with the iTunes reward program doesn't offer the deferral, and also doesn't earn that much. My suggestion if this is your first card is just to use it a little bit for a few months to build up a rating and then get a better card for future use.

 

[Xcallibur]

it's a 4 year old hp. I've formatted countless times, slows down again probably after a day. if I need to write a paper or something and open word, takes about 5-7 minutes for it to load. web surfing even with chrome is a painful experience as well. countless other annoyances.

first world problems I know

That's a problem with your computer and old hardware then; not (from the sounds of it) caused by the installation of Windows.