Apple Visa Barclaycard

Discuss the Visa & MasterCard payment networks as well as cards that operate through them.
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ncosky290
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Apple Visa Barclaycard

Postby ncosky290 » Thu Aug 22, 2013 9:15 pm

I notice online it says you must make a purchase within 30 days for the finance offer. Does this mean after 30 days the card no longer offers special offers if you use it at apple as they always offer a financing offer?

Anyone know?

Thanks...
Nick*
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im_mr_awesome
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Postby im_mr_awesome » Fri Aug 23, 2013 12:09 am

Correct. That's something imposed by Barclays on the card; not Apple. Apple doesn't care about the financing offers; it's just something they offer to make their expensive products more enticing to those who can't normally afford them outright.
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Obi-dan
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Postby Obi-dan » Fri Aug 23, 2013 2:12 pm

I spoke with Barclays Customer Service and they said the 0% financing deal only automatically applies to your initial purchase. However, she said if you call Barclays CS immediately before making a purchase (at the Apple site or in an Apple Store) they can apply the 0% deal.
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AMEXPlatino86
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Postby AMEXPlatino86 » Fri Aug 23, 2013 4:13 pm

They also do them at pretty random moments because I guess because it's the back to school time, they sent an email allowing me to reinstate the 0% financing on the card. It expires sometime in November I believe.

Obi-dan wrote:I spoke with Barclays Customer Service and they said the 0% financing deal only automatically applies to your initial purchase. However, she said if you call Barclays CS immediately before making a purchase (at the Apple site or in an Apple Store) they can apply the 0% deal.
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agp
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Postby agp » Fri Aug 23, 2013 7:12 pm

You must purchase within 30 days.

And a side note, aside from cars and houses, if you have to finance it, you can't afford it. And therefore probably shouldn't buy it.

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Obi-dan
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Postby Obi-dan » Fri Aug 23, 2013 7:43 pm

And a side note, aside from cars and houses, if you have to finance it, you can't afford it. And therefore probably shouldn't buy it.[/QUOTE]

Agree. I would throw education in there too. However, sometimes it's nice to take advantage of 0% financing to free up cash flow even if you can afford it. Just my two cents.
Cards:
Chase Sapphire Preferred
Marriott Rewards
Citi Hilton
Barclay Arrival
AMEX BCE (member since 95)
Chase Freedom
Discover It
Wells Fargo Platinum
Barclaycard (Apple)
Local Credit Union Visa (buy local!)


FICO Scores:
TU: 824 (Aug 2014)
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Equifax: 807 (Aug 2014)

AMEXPlatino86
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Postby AMEXPlatino86 » Fri Aug 23, 2013 7:44 pm

I beg to differ. I bought mines and paid it off in adequate time even when I really didn't have the money. Especially since my laptop was about to hit life support.
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AmEx Platinum (6/12)
Barclays Apple (6/12)
AMEX Gold Delta (5/13)
Marriott Rewards (7/14)

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im_mr_awesome
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Postby im_mr_awesome » Sat Aug 24, 2013 12:34 pm

I somewhat agree with this. It's important to stay within your means, but if you can afford to pay off the computer in 6, 12, or 18 months, it can be useful. For many college students, this is especially helpful because financial aid refunds almost always are delayed until after the beginning of the semester, when you might already need the computer.

Speaking of financial aid refunds, I'm waiting on mine now...
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Cards I Use Citi Double Cash, Chase Amazon, Capital One QuickSilver
Sock Drawer Discover IT, Citi Diamond Preferred, AE Visa, QuickSilver One, Walmart CC, CareCredit, CreditOne (keeping for history for now)
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agp
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Postby agp » Sun Aug 25, 2013 3:44 pm

AMEXPlatino86 wrote:I beg to differ. I bought mines and paid it off in adequate time even when I really didn't have the money. Especially since my laptop was about to hit life support.


You can beg if you would like, but just because you financed and paid off a laptop you cannot afford at time X does not mean that there was no unnecessary risk involved. I work in financial risk management, and I look at these things in the perspective of risk vs. reward - if the benefit of having a new computer at the cost of taking on unnecessary risk outweighs the hardship of not having a brand new computer for a few months, then good on you for deciding to finance, good on you for avoiding the loss what would have incurred for not having the laptop for X months, and good on you for paying it off.

But if having a new laptop is not a must... then is it worth taking on the risk and burden just to have a new computer? That depends on your risk tolerance, but know this - look at the people who file for bankruptcy. How many had credit card balances of 0?

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