So once my Barclay introductory 0% is over can I ever get financing again?

Discussion in 'Apple, Inc and Tech Industry' started by Captainobvvious, May 2, 2014.

  1. Captainobvvious macrumors 6502

    Joined:
    Jun 15, 2010
    #1
    Once the two week introductory rate is over is that the last time I can get financing for Apple products?

    Are there other opportunities?
     
  2. blueroom macrumors 603

    blueroom

    Joined:
    Feb 15, 2009
    Location:
    Toronto, Canada
    #2
    Gotta say I'd never finance a personal computer.
     
  3. Captainobvvious thread starter macrumors 6502

    Joined:
    Jun 15, 2010
    #3
    I am 30 and finance all big purchases with 0% interest. Never paid a dime of interest in my life and have 800+ credit rating.

    I love credit and manage it well.

    That being said I would never buy a $3,000 computer without financing.

    I just financed a new iMac, mini and Air and will pay them off before I am charged any interest. I am thinking years down the line when its time to upgrade.

    Is this my first, last and only change to finance an Apple product with no interest.
     
  4. snberk103 macrumors 603

    Joined:
    Oct 22, 2007
    Location:
    An Island in the Salish Sea
    #4
    Don't know about the Barclay's card specifically… but I've found that once the introductory period is over for a product then it's never repeated. The whole point is to get you to start using it. Once they have their hooks in you they don't need special offers, it seems. Barclays - just from what I've read here on MRs - seems to be Apple's card of choice, so it's unlikely that another card will have a similar offer. But that is just guessing on my part.

    If I could get 0% financing I would - in a heartbeat. Borrowing money is not an issue - if you manage it well. It's badly managed borrowed money that gets people into trouble. I put virtually everything onto a AirMiles MC. Pay it off each month… I get to earn the interest on my money for an extra month, plus get points. No problems.
     
  5. Captainobvvious thread starter macrumors 6502

    Joined:
    Jun 15, 2010
    #5
    Same here. I haven't used my bank card in 13 years. I have 3 credit cards all with different rotating cash back offers that change quarterly. I make 100% of my purchases with them and pay it off in full every month. Never paid a late fee or interest and have made literally THOUSANDS ($10k+ at least) over the years in cash back.

    Credit is only an evil scary thing if you can't manage it responsibly.

    I really hope that there will be another crack at financing sometime down the line. It would be a shame to NEVER be able to finance an Apple product again.
     
  6. FreakinEurekan macrumors 68040

    FreakinEurekan

    Joined:
    Sep 8, 2011
    Location:
    Eureka Springs, Arkansas
    #6
    I signed into Barclay's website today to download my statement, and there was a pop-up asking if I wanted to be notified of future Apple financing specials - so that implies that there might be some :) but otherwise don't know.
     
  7. inlvnv macrumors member

    Joined:
    Jun 7, 2010
    #7
    I was curious about this also. Found my answer in this thread.
     

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