Best way to finance a MacBook Pro?

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FastSRT8
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Postby FastSRT8 » Thu Apr 26, 2012 7:09 pm

Celestine,

Good points made. Agree, get a PC first. Make you money off that and if you have some left over down the road, splurge and get your MAC
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American
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Postby American » Sat Apr 28, 2012 8:56 pm

I used a barclaycard to finance my mac. It worked out fine.

Financing is totally okay if you can afford to, meaning you're not barely making it as is. I financed for the sole purpose of keeping liquid assets to invest. I bought a $2,000 Macbook Pro, and about a month later I invested $1,000 metals. I've made money off the investment, and I'm almost done paying of my computer. I haven't paid a lick of APR, and I have more money in my pocket than I started...

However, my only advice is look into a low purchase APR rather than a one and done card. I have a Citi Diamond Preferred card that I won't pay APR until August of 2013. I'd say do this because my barclaycard is worthless right now. I have about $600 left on my computer, and it has a 23% APR... Once the computer is paid off, I'll probably dump the card. I just hate how it brings down your AAoA. Probably wouldn't do that again.
American Express '02: Platinum, Blue Cash Preferred 6k, SPG 2k, Delta Gold 1k
Barclaycard '11: Apple Financing Card 2.5k
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newbiecredit
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Postby newbiecredit » Sat Jun 02, 2012 7:42 pm

went to best buy to check our their macbook pro.. husband is getting it for me for my 30th birthday. he was gonna put it on our wells fargo but then we saw the 18 month 0% financing. I've been eager to apply best buy cc before because of their good financing offers. i was double thinking whether to apple or not. my credit is better than my husbands so the sales guy recommended that its better to do it under my name for the application since we were coin a huge amount. i saved my score for not getting any cc for 6 mos. coz i had a lot of inquiries last yr. my last application was dec 2011. I've been hearing that best buy gives very little credit limit. so i was kinda shady on applying. but then just pulled the trigger and applied.. gave me 1000 limit! yes! was afraid of getting a very low limit like 300 (most people in this forum said that). me being at 1000 is very lucky. so bought the pro thru the 18months financing 0%. told my husband to pay it off early like in 6 months or so. freezing any cc application now til we get a car lol

itsmeandrew
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Postby itsmeandrew » Sun Jun 03, 2012 3:06 pm

My suggestion if you're going to get a macbook, wait. New ones are supposed to be announced in a few weeks and released soon thereafter. As for financing, like others have said it's smarter to wait until you can pay it in full but there are options like the best buy card with 0% interest for 18 months.
Capital One Platinum $500 (2/2010) CLOSED (1/2013)
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Chase Amazon $4.5K (5/2014)
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newbiecredit
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Postby newbiecredit » Sun Jun 03, 2012 4:19 pm

i just bought it yesterday.. financing 18 mod. not bad. i heard of that news too.. but i think they're coming up with 15s and 17 models first.. i just wanted a 13 inch pro.

tinninches
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Postby tinninches » Mon Jun 04, 2012 6:31 am

newbiecredit wrote:i just bought it yesterday.. financing 18 mod. not bad. i heard of that news too.. but i think they're coming up with 15s and 17 models first.. i just wanted a 13 inch pro.


Best of luck with your purchase and %. Personally, if I can't PIF, it doesn't get purchased. Hence why my laptops come from Dell ($400 for a fully furnished PC?!) and do their job just fine.

The mere thought of giving a dime of % to anyone, nearly makes me sick to my stomach (but for w/e reason, I'm ok with amex plat sized AFs - go figure)
[size=80]Amex Zync[/size]
[size=80]Amex PRG[/size]
Amex Costco TE
Amex Hilton
Amex Delta Gold
Barclay US Airways World MC
Chase SWA Signature
BOA Spirit World MC
[size=80]Barclay Apple Visa[/size]

Davrax
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Postby Davrax » Fri Jul 27, 2012 10:56 pm

Great point! However students can typically get AUTOCAD for about 90% off through Autodesk. Adobe as similar discounts for their design software.
However, these discounts also apply to PC's, so think on it OP!

Celestine wrote:Regardless whether you are a freelancer or not, Macbook Pro are overrated. Get a PC, desktop or laptop, that can also do the same things as the Macbook does but are priced lower.

Macbook Pro is not the only problem here but also the software licenses that you will be using; I'm assuming you are into design/CADD/CAD. Software prices especially on design/CADD/CAD burns holes in students' pockets or people with no stable income in the design/CADD/CAD industry.

FYI... not a PC fanboy here... just being realistic :p

Davrax
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Postby Davrax » Fri Jul 27, 2012 10:58 pm

Well if you're considering putting on an existing card, that AMEX Green has the extended warranty benefit, so you're factory warranty would be doubled (rather than just the one year you get from Apple)

newbiecredit wrote:i do.. i have amex green (oct 2011), wells fargo (dec 2011-2,700 limit), walmart store credit card (august 2011- 2,800 limit), secured capital one (jan 2011- 350 limit), secured wells fargo (june 2011- 300 limit)

KingVicc
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Postby KingVicc » Thu Aug 02, 2012 3:22 pm

amexguy321 wrote:i never understand why you would want to finance a purchase... pardon me for my European opinion. my belief is that cc should never be used to buy something that you cannot initially pay for. of course there are exceptions so every rule... doctors bills, car loans, real estate etc... but nothing like technology... i recommend you save up money for a few months and then charge it to the card which you own and immediate pay it off. just imagine if you miss a payment on a macbook and ding your credit score..
just my opinion

also.. i like my barclaycard


@AmexGuy321, I agree with you, but there's a good reason why he should. Say he has $3000 in the bank. He can definitely pay off the mac immediately, but if he can get 0% APR for 12 months, and pay off say $500 a month, wouldn't that be better? Why? Because he not only will be paying of the computer soon, and will be paying no interest, but he'll have more money in the bank in case something else comes up (emergency) or if he feels safer doing that. Also paying in full or in payments, won't differ in regards to how it affects your score.

@NewbieCredit, if you apply for the Barclay card and spend more than $1000 with it, you get 12 months with 0% apr (or 6 months 0% apr, if you spend under $999). Try it out, if you really want to. But I do think you should already have the money for it.
[size=80]Wells Fargo Platinum Card (2010)
American Express Blue Card (2011)
Barclay US Card (2011)
[/size]



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