Which card should I use to buy Apple Macbook Pro?

**amexguy321** · Feb 17, 13, 3:35 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** · Feb 17, 13, 5:36 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** · Feb 17, 13, 6:12 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** · Feb 17, 13, 8:22 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** · Feb 17, 13, 8:32 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** · Feb 18, 13, 12:50 pm

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

**Sevenfeet** · Feb 18, 13, 1:57 pm

Amex definitely. If you're not going to take AppleCare, then this is a good alternative. Laptops fail...even Apple's.

**Daniel** · Feb 18, 13, 3:54 pm

Originally Posted by amexguy321

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** · Feb 18, 13, 5:49 pm

Originally Posted by Daniel

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** · Feb 19, 13, 8:20 am

Originally Posted by DavidNY

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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