I used 12 months Barclays card interest free. Then made timely payments before the interest penalty. Note: I had the cash...however If you can get an interest free option ..use it. Take the money and put it in a savings account that earns interest. You get the best of both worlds...you make a few dollars interest and you make your credit look good.
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Who financed & Who paid cash for their computer?
- Thread starter Doc750
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I'm surprised how many people decided to finance their Macs.
I paid for mine all up front.
I paid for mine all up front.
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Paid cash.. don't think I will ever finance a computer, unless I'm doing something stupid like buying a completely maxed out Mac Pro.
but at the same time, the convenience of credit cards make me more likely to purchase things (especially online), so the stores get higher sales too.
Well my purchases are paid in full on the day with credit card for the points on the card.
The going rates for personal loans and hire-purchase are incredibly high. From the times I did the numbers, hire-purchase at the end of the standard length 24-month contract means you end up paying +60% of the RRP, far away and beyond the local interest rates. And personal loans are only marginally better.
The going rates for personal loans and hire-purchase are incredibly high. From the times I did the numbers, hire-purchase at the end of the standard length 24-month contract means you end up paying +60% of the RRP, far away and beyond the local interest rates. And personal loans are only marginally better.
If I could get a 0% financing I'd go that route, being sure, I paid it off prior to the accrued interest being applied. Other then that I've used cash and at time a credit card.
My latest purchases have all been cash, I'm on a roll to reduce my credit card balances, so my goal is to see a smaller balance each month - that's kind of hard to do if I charged a computer purchase
My latest purchases have all been cash, I'm on a roll to reduce my credit card balances, so my goal is to see a smaller balance each month - that's kind of hard to do if I charged a computer purchase
Yeah - the problem with stealing it is that you never know what config you get, and you can't always be sure to what extent it will be worth the risk.
Btw, I think it's ok to "finance" the computer as long as you pay it back before the 0% period is over. Not only because of bonus points and extra protection, but also because you keep your own money in the bank longer and gain interest on it.
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i don't understand, when you people say cash you mean you go with 1500$ in your pocket and buy the laptop? cuz THAT seems stupid.
well obviously you'd buy it with "no interest for 12months", i don't think they sell otherwise (at least here in Greece). It's pretty obvious that if you buy it as "x per month for 12 months" it's gonna be the same price as buying it directly. so why would you get it directly? ^^
People most often mean "paid right away, with cash/check/debit/etc" when they say "paid with cash."
Most people do not actually have the money, in cash, when they purchased their macs
People most often mean "paid right away, with cash/check/debit/etc" when they say "paid with cash."
Most people do not actually have the money, in cash, when they purchased their macs
paid with cold hard $100 bills
paid with cold hard $100 bills
LOL, I paid in cold hard cash for a Mac once (it was a black MacBook way back then I think). The "specialist" was at a complete loss when I plunked the bills on the counter. Even had to go in the back to get the manager to handle the transaction.
If you need to finance a computer to "afford" it, you don't need it. There are public computers for use for free at libraries, schools, etc. Don't pretend that you need a MBP to complete your studies. That's complete BS.
paid with cold hard $100 bills
^^ Same
I believe they had to take it back to verify the $
I agree... somewhat. You certainly might not need a MBP ... and a $400 laptop would suffice but I'm not sure that you don't completely need a computer.
I put it one my credit card, because in the UK doing that gives you extra protection should anything go wrong. I then paid the entire amount off when the bill came a couple of weeks later.
I don't want any loans apart from student loans and one day a mortgage.
I don't want any loans apart from student loans and one day a mortgage.