How generous are their credit lines? Usually enough to buy at least a moderately upgraded Mac (like a big SSD and/or accessories)? Also, what's the deal with the 0% financing offers? Are they ever repeated so you can buy a replacement Mac when the time comes? A one-time 0% offer makes for a credit card (these are revolving credit accounts after all) you use once and then put in the drawer never to use again. Not necessarily worth the hard pull on your credit if you care about such things.