Which card should I use to buy Apple Macbook Pro?

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amexguy321
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Which card should I use to buy Apple Macbook Pro?

Postby amexguy321 » Sun Feb 17, 2013 5:35 pm

hey guys

i am planning on buying a new apple macbook pro w/retina display for 1399 (after student discount). i am not sure which card to use

1) amex prg (main card), obviously for great customer service and so on
2) mastercard, lufthansa/barclaycardus... i recently received a letter with balance transfer checks that i can also use as personal checks. using this check will increase my credit limit by that amout (currently at 2000).

so the question is... 1399 mr points, or 1399 credit limit increase and some miles.

is anybody familiar with the mastercard extended warranty program?

thx!


Gamma
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Postby Gamma » Sun Feb 17, 2013 7:36 pm

I would probably use the Amex card just because they offer purchase protection and extended warranty. I am not familiar with Barclays benefits. The MR points/miles should be the least of your worries.

Extra protection>points imo.

amexguy321
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Postby amexguy321 » Sun Feb 17, 2013 8:12 pm

thats what i was thinking as well. also i just saw under the fees section that there is a min fee of $5 or 3%, that means there is a fee of $41 associated with the purchase. i dont think that is worth it to me, as i dont really need the extra 1400cl on that card anyway


MemberSince99
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Postby MemberSince99 » Sun Feb 17, 2013 10:22 pm

Those checks they send you will cost you dearly typically, if you read the terms. Interest usually starts from the day you use them, just like a cash advance. That's why they constantly send those things talking about what a great "convenience" they are. Uh, yeah, sure, just use this and I'll start paying you over 20% interest today what a "convenience", do I get lube with that or is this going to be a dry run? Anyway, avoid that if you don't want to be wasting money.

Gamma
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Postby Gamma » Sun Feb 17, 2013 10:32 pm

Are those balance transfer checks with no promotional rate? It isn't worth it and even worse with no promotional ratee
Yes, I highly recommend Amex in case something ever does happen, then you're covered.

amexguy321
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Postby amexguy321 » Mon Feb 18, 2013 2:50 pm

just read the fine print. interest is charged on the day of transaction... what a joke

Sevenfeet
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Postby Sevenfeet » Mon Feb 18, 2013 3:57 pm

Amex definitely. If you're not going to take AppleCare, then this is a good alternative. Laptops fail...even Apple's.
Cards:
American Express Platinum (NPSL)
Penfed Platinum Reward Visa ($28K)
Chase Freedom Visa ($25K)
Fidelity American Express ($20K)
American Express Blue Cash Preferred ($20K)
Bank of America Cash Rewards MasterCard ($20K)
Citi Thank You Preferred Visa ($9.5K)
Chase Sapphire Preferred ($7.5K)
US Bank Cash + Visa Signature ($7K)
Discover IT ($4K)


Daniel
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Postby Daniel » Mon Feb 18, 2013 5:54 pm

amexguy321 wrote:just read the fine print. interest is charged on the day of transaction... what a joke


Most transactions like this are processed like a cash advance, as such you get the interest charged from day one.

DavidNY
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Postby DavidNY » Mon Feb 18, 2013 7:49 pm

Daniel wrote:Most transactions like this are processed like a cash advance, as such you get the interest charged from day one.


FIA recently sent me some unsolicited checks that would be treated as BTs with a one-time fee but sometimes checks arrive that are treated as cash advances if used.

As to the original question, I would use the Amex PRG card for the extended warranty coverage.

Daniel
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Postby Daniel » Tue Feb 19, 2013 10:20 am

DavidNY wrote:FIA recently sent me some unsolicited checks that would be treated as BTs with a one-time fee but sometimes checks arrive that are treated as cash advances if used.

As to the original question, I would use the Amex PRG card for the extended warranty coverage.


I agree completely. ^^



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