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.