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How did you pay for your rMBP?

What form of payment for rMBP?

  • Credit Card

    Votes: 156 51.1%

  • Barclay Apple Credit Card

    Votes: 27 8.9%

  • Debit Card

    Votes: 63 20.7%

  • Cash

    Votes: 59 19.3%
  • Total voters
    305
I used my credit card, currently with 0 balance and over half the entire expense ready to be transferred from another account once they actually charge me. The rest will be paid off with the next couple paychecks. If I planned it right I might actually get almost nothing in the way of interest charges.
 
Another charge on my Bill Me Later account! I should hopefully have this paid off in six months. I also get 2% Cash back.

I have a pc laptop, 2008 MBP, and an old macbook to sell, along with a few miscellaneous stuff, some cash saved up and hopefully a few paid gigs!

I will probably do the same thing if a new iMac is announced anytime soon.
 
yg17 said:
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.
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I understand the whole Barclay issue that everyone is saying but if you have even an ounce of responsibility you will pay it all off in 6months or less to be on the safe side, which is a fantastic deal IMO.
 
mohsy90 said:
7 people paid cash?!?! :eek:

I did best buy's 18 mo financing. Planning to pay it off within a year.
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I hope you're kidding...

If you can't pay cash, simply do not buy it. You obviously cannot afford it. 18 months to pay off a computer? What has this world come too...
 
xAnthony said:
I hope you're kidding...

If you can't pay cash, simply do not buy it. You obviously cannot afford it. 18 months to pay off a computer? What has this world come too...
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First of all, I meant cash as in a stack of money! Secondly, I can afford it. Nothing wrong with carrying a little credit to help my credit score. I expect it to be paid off within 6 months. If I wanted to pay cash, I would have.
 
MacGurl111 said:
We're paying cash for a truck. It's going to be so nice to walk into a place with 15,000 cash and walk out with no debt whatsoever.

Cash is king. -Dave Ramsey
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Good for you. Most people don't have the patience or will power to save up and wait to make purchases like that. Congrats on going against the grain. It's gonna feel great driving that new truck home, getting there and realizing it is 100% yours.
 
juicywaterhouse said:
(can't believe I actually have to spell this out :eek:) The point is that overwhelmingly, citizens pay for cars through financing or leasing...
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I got your point and I realize that many people do, in fact, finance automobiles.

I just think that doing so is a really, really bad idea.

And don't even get me started on leasing.
 
Went to the bank, put the money on the account and paid via the credit card. (No other way for me in Belgium if I don't want to wait for it to get in stores.) I don't see the point in purchasing anything that you can't afford... Maybe it's just me. :)
 
AmEx, with the cash sitting in my checking account to pay off the bill in its entirety when it comes. Can't beat an extra year of warranty for free.
 
Paid 1999.99 out the door for rMBP and got no tax plus 100$ student gift card to iTunes store. Walked in to buy.
 
marddin said:
Wow, great to see so many responses so quickly!



Yes. The apple barclay credit card offers no interest for the first 12 months if you spend over $999. If you spend under $500 you have 6 months of no interest.

The no interest window is only for apple purchases within 30days of being accepted for the credit card I believe. I am not sure if this is offered in the UK but it is a great deal if you are a student in the US like myself.

http://store.apple.com/us/instant_credit <----more info on the Barclay card

Martin.
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uh oh... what if apple doesn't charge your card because of delays? I'm not supposed to get mine until the 16-20th. When will they charge the card?
 
marddin said:
I understand the whole Barclay issue that everyone is saying but if you have even an ounce of responsibility you will pay it all off in 6months or less to be on the safe side, which is a fantastic deal IMO.
Click to expand...

Since you can't predict the future, it's not a fantastic deal. What if you lose your job in 6 months and now you can't pay off your computer? It's better to pay it in full when you purchase it that way no matter what happens, you own it free and clear.

MacGurl111 said:
We're paying cash for a truck. It's going to be so nice to walk into a place with 15,000 cash and walk out with no debt whatsoever.

Cash is king. -Dave Ramsey
Click to expand...

You're walking into a dealership with $15,000 in cash? That doesn't seem like a good idea either. Use a cashiers check or something, it's as good as cash with an extra layer of protection in case it gets lost.
 
Split the cost with a loved one (birthday gift).

2.6/512/16

CAN'T GET HERE FAST ENOUGH. MY CoreDuo 2.16ghz/100/2 is killlllling me.
 
yg17 said:
Since you can't predict the future, it's not a fantastic deal. What if you lose your job in 6 months and now you can't pay off your computer? It's better to pay it in full when you purchase it that way no matter what happens, you own it free and clear.
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You sound like my mother, what if what if. I wish I could pay it off immediately but I dont have that kind of money so for me I have to go a different route.
 
marddin said:
You sound like my mother, what if what if. I wish I could pay it off immediately but I dont have that kind of money so for me I have to go a different route.
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FWIW....listening to your mother's advice is not the worst thing in the world.
 
marddin said:
You sound like my mother, what if what if. I wish I could pay it off immediately but I dont have that kind of money so for me I have to go a different route.
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Your mother has good advice. If you can't afford it, don't buy it. Save your money and pay it all at once. Patience is a virtue.
 
Waiting till August to get mine tax free. I'm planning on paying with my American Express for the $20 or so cash back I will get and to utilize $230 in cash back i have already accumulated. Then I'm paying off the balance immediatly with a bank transfer. I already have the cash ready to go.
 
that's the best way to go!

choffy said:
AmEx, with the cash sitting in my checking account to pay off the bill in its entirety when it comes. Can't beat an extra year of warranty for free.
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Amex insurance paid for my new iPhone 4s when the power button on my iPhone 4 stopped working and was out of Apple warranty. Actually, they refunded the whole amount I paid for the original phone and I used that to pay for the new one.

AMERICAN EXPRESS RULES!!!!
 
DJAKO said:
Best Buy would never let you use a 10% off coupon on a laptop. Acessories yes, but not off the laptop.
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The coupon I had excluded apple accessories but didn't exclude apple computers so they accepted it.
 
ugahairydawgs said:
Good for you. Most people don't have the patience or will power to save up and wait to make purchases like that. Congrats on going against the grain. It's gonna feel great driving that new truck home, getting there and realizing it is 100% yours.
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Yeah but if you were able to put it on a credit card, then you could get $150-$300 back, pay the CC bill at the end of the month and still have a car that is 100% yours :)
 
By the time I save up enough for the RMBP it will either have been replaced with a new version or a 13 in. will be available....so at this point I am saving for some sort of RMBP...just not sure which one :)
 
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