I keep trying to throw my money at them but neither the Apple store or BB want to have them in stock near me... Amex when they do.
Got a tip for us?
Let us know
Become a MacRumors Supporter for $50/year with no ads, ability to filter front page stories, and private forums.
How did you pay for your rMBP?
- Thread starter marddin
- Start date
- Sort by reaction score
Yeah, I have a couple relatives that are very broke due to that. The funny thing is they could have a lot of things and do a lot of things if they'd stop worrying about other people and what other people have.
To the guy who said why finance on a depreciating asset. So are you going to buy a car or home cash? Lol. I don't like dropping 2.6K on a laptop at one time. Why not spread it over a few months. Doesn't matter if I have the cash to drop at once or not. To each his own honestly. But no interest for first 12 months is great. Just pay it off in like 6 months and be good to go.
----------
And I understand a debit card is cash I just put different poll selections because I have seen people purchase apple gear with straight cash.
----------
And I understand a debit card is cash I just put different poll selections because I have seen people purchase apple gear with straight cash.
I'm fortunate to have a huge circle of very good friends.
Since I wanted to pay cash, I asked 29 of my friends for a crisp $100 bill.
Once I had the cash, the rest was easy
Since I wanted to pay cash, I asked 29 of my friends for a crisp $100 bill.
Once I had the cash, the rest was easy
Hope you're going to pay the card off soon, a laptop isn't worth getting into interest-ridden debt over.
----------
Paid on my Amazon credit card - so ~£30 cashback in the form of Amazon vouchers. Will of course pay off in full end of month. Was a business expense (do a lot of IT consultancy), so it was nice to be able to offset corp tax and VAT for it too.
oh i agree, never cancel them b.c that can hurt your credit, but just don't have them sitting with a zero balance if you are trying to "build" credit. Obviously if you are hovering 800 is it irrelevant, but if you have upper 6's or low 7's and want to increase it.....use the cards and them pay them off once the statement is ready...that will up your limits fast and up your scores.
Yeah my credit score is in the 800s as well and never carry a balance. I used to call credit card companies to reduce my upper limit because honestly they were approaching the ridiculous limits (Amex especially seems to like high limits). If I use at most 10% of my available credit per month, doesn't make sense to me to have high limits but when I bought my second house, the mortgage companies seemed to like it.
Higher limits can only help you, not hurt you, unless you're just buying out of control and need the card company to be the one keeping you in check. Even if you're not going to spend a lot on your cards, having a high limit is helpful because it decreases your debt/credit ratio. The lower debt/credit ratio you have, the higher your FICO score is.
Yeah that is what I found out but seems crazy to me. It is so bad that I've been contemplating using my Amex credit card to buy my next car. (Not sure if car dealerships would be ok with that, otherwise I noticed many offer a cash discount)
Why would anyone buy with anything but a credit card? You're just sacrificing the points... no brainer, if you have the cash, use a credit card, then just pay it in full when the first payment is due.
----------
Ever hear of buying a car?
LOL, I am not gonna lose sleep over £600
Sure, but debt adds up if you're buying what you can't afford
Sure, but debt adds up if you're buying what you can't afford
Why do you assume I can't afford it? You worry about your finances, I'll look after mine.
Buying a car with a credit card is a terrible idea. Go and get car loan financing from a local Credit Union and then go to the dealership and pay cash. This is the smartest way of buying a car. Credit Union car loan rates are traditionally the lowest available. Financing from the dealership or buying it with your AMEX are terrible ideas!
Chances are the dealer won't accept it. They need to pay AMEX about 2%, which is more than half their entire margin on the car if they sell it to you at invoice (car dealers make their real money on service, not initial sales). By contrast, if you take out a bank loan, the dealer gets a commission. They actually prefer you take out a bank loan than show up with money.
Most of us need a car. None of us need rMBPs and could get by just fine with a cheaper laptop. Also, car loans can be had for under 3% APR if you shop around and have good credit, whereas most credit cards are in the double digits for APR. IMO it's okay to finance a deprecating asset like a car if the APR is low enough and the necessity is high enough. But the rMBP is a toy that can only be financed at an outrageous interest rate.
Oh, and the Apple/Barclay's card with 0% interest for 12 months? Read the fine print. You get 0% interest if you make all your payments on time and pay off the entire balance by the end of the 12 month period. If, when making your last payment at the end of the promotional period, you screw up, hit the wrong key on the keyboard, and pay all but one remaining cent of your balance, they will go back and charge you interest for the entire purchase amount for all 12 months, at a 22.99% APR.
So how many of you people using the 0% interest offer were planning on paying most, but not all of your rMBP off in 12 months and thought you'd only be paying interest on a couple hundred dollars balance if you dragged it out to 14 or 15 months? That credit card statement on the 13th month is going to look pretty ugly.
Well I was thinking of paying it off at the end of the month. Although it'd depend on the interest rate I could get for the money vs financing. I don't keep credit card balances, I know better than that.
I'm a college student with no credit history, and I applied for a Barclay card on Apple's website and surprisingly was approved for $2000. I ordered a rMBP but quickly realized that it wasn't a great idea after reading about some other people's experiences with Barclay and Apple purchases.
I'll just wait a few months until I have enough cash in the bank to get the rMBP. Hopefully by then they will be in stock.
I'll just wait a few months until I have enough cash in the bank to get the rMBP. Hopefully by then they will be in stock.