Best way to finance a MacBook Pro?

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newbiecredit
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Best way to finance a MacBook Pro?

Postby newbiecredit » Wed Mar 21, 2012 11:57 pm

I'm looking into buying a Macbook Pro and I'm looking for the best credit card that does financing aside from Barclays and Best Buy... help! Suggestions pls


bmw1990Z
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Postby bmw1990Z » Thu Mar 22, 2012 9:37 pm

do you have any credit cards yet?
Cards in my wallet:
-Citi Forward Card for College Students-July 2011
-American Express Platinum Delta Skymiles--July 2013

newbiecredit
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Postby newbiecredit » Sat Mar 24, 2012 12:28 am

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)

bmw1990Z
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Postby bmw1990Z » Sat Mar 24, 2012 8:27 am

why don't you like the barclays?
Cards in my wallet:

-Citi Forward Card for College Students-July 2011

-American Express Platinum Delta Skymiles--July 2013

amexguy321
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Postby amexguy321 » Sat Mar 24, 2012 9:48 am

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

DavidNY
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Postby DavidNY » Sat Mar 24, 2012 11:13 am

@amexguy, After being under-employed for a while I came across a freelance job that required me to buy several new state-of-the-art computers which cost thousands of dollars. I got them on credit, paid them off in a few months and had a very lucrative job going. Also, those purchases for the business were great tax deductions. Even the interest on the credit cards is a tax deduction, as long as the purchases are for business purposes. So there are cases where financing comes in handy.

@newbie, macbook pro isn't worth financing unless you can make the computer pay for itself (see above) :-)

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Victorleo
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Postby Victorleo » Tue Apr 24, 2012 4:45 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.


+1 Do you really need it right now?

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FastSRT8
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Postby FastSRT8 » Wed Apr 25, 2012 2:21 am

newbiecredit, sorry don't want to come across sounding like your parent BUT your idea to 'finance' a purchase thru a credit card is a bad idea. This if you are not careful is a slippery slope which will lead you to financial ruin. Serious, I see you are still building credit and you should stick to making sure you protect your credit history. Wait til you can pay for the computer before you buy it. Electronics are a depreciating asset which lose value so fast as technology changes in a blink of an eye.

Buy a used one if desperate and save your hard earned $$$

Peace out!
Carpe diem quam minimum credula postero!

jeffysdad
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Postby jeffysdad » Wed Apr 25, 2012 3:32 pm

If you don't have the money and really do NEED a computer (who doesn't?), then you're going to have to borrow or go to Tronix Country (Oh no!).

If you're buying your Mac from Apple, which is what I do, check your credit card's points mall. Apple, if I remember correctly, generally will get you 5% cashback, at least with Chase and Fidelity Amex.

If you get it from Amazon.com, you could probably apply for and get the Amex charge account (not the same as the Chase Amazon card) and get low/no interest for an introductory period.
American Express: Blue Cash Preferred (groceries, 6%; gas, department store, 3%); Gold Delta SkyMiles (Delta Air Lines, 2 miles/dollar, free checked bag).
US Bank: Cash+ (utilities, phone, internet, restaurant, 5%; drugstores, 2%).
FIA Card Services: Fidelity Amex (everything, 2%); Fidelity Visa (everything, 1.5%).
Chase: Freedom (rotating, 5%); Amazon (Amazon.com, 3%); PriorityClub (IHG hotels, 5 points/dollar); Sapphire (not in use).

*All cards are registered with PriorityClub IDine program for 8 points/dollar at participating restaurants.

Celestine
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Postby Celestine » Thu Apr 26, 2012 7:07 pm

newbiecredit wrote:I'm looking into buying a Macbook Pro and I'm looking for the best credit card that does financing aside from Barclays and Best Buy... help! Suggestions pls


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
"Nearly all men can handle adversity, but if you really want to test a man's character - give him power." - Abraham Lincoln



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