Has anyone had an experience with using Apple Credit Card?

[JarvisB 10+ year member]

I am looking to buy a Macbook Pro.. I hoped that I would get it for xmas from my parents, but it wont happen for sure since they got me a 32" HDTV..

So I am looking to buy it myself, but I cant afford to buy it at full price.. On apple.com, there would be like "as low as $xx a month" everywhere below all items' price trying to convince me to apply for Apple credit..

So the Macbook Pro offers me as low as 48 bucks a month if I join their credit card, I m wondering if anyone had experience with doing this?

I am thinking about doing it.. I will just pay minimum monthly price for first few months then I will pay in full as much as possible once I start working and whatever.. And is there any "required deposit" to start the monthly payment?

Any input would be greatly appreciated since I am looking to do it really soon if it is more than possible to do this..

Also, I dont have to pay for any interest for 180 days.. (not that long I know but thought I should note this)

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[Rich B 5,000+ posts]

Not me, but my past experience as a retail manager tells me that the interest rates will be terrible no matter how little they say you have to pay per month.

Read the fine print very carefully.

 

[canadapettit 10+ year member]

Do you have any credit? If not they likely won't approve you for the card. Otherwise I would try to find a credit card that will give you a big enough limit to buy it and get a low apr.

 

[Kawasaki STX-R 10+ year member]

not apple, but i used dell credit before...

they were giving some good deal with insurance and lojack if i signed up. along with no interest for 6 months. then i just put it on my billing statements to have them pay it off for me.

all of the apr was deffered (like 17%) until the 6 months was up. if you didnt pay it off before the 6 months then it was all added back to your balance.

 

[faulkton 5,000+ posts]

fail.

 

[Megalomaniac 5,000+ posts]

do not apply for the apple card.

When i bought my macbook($1600) we(me and my dad) were going to apply for it but it turns out 13.xx% is the lowest interest rate on it. I was like fck that. So we ended up throwing the charge on his mastercard with an interest rate of only 9%.

we saved a ton doing this way compared to using the apple card, which apple doesnt really own the card its through a third company that handles the credit stuff via contract.

 

[JarvisB 10+ year member]

I see that I probably should buy the laptop using a different card that offers lower apr..

Also, Best Buy is an authorized dealer right now, I might go check out what they have to offer on financing..

 

[Megalomaniac 5,000+ posts]

I see that I probably should buy the laptop using a different card that offers lower apr..
Also, Best Buy is an authorized dealer right now, I might go check out what they have to offer on financing..

just keep in mind every time you apply for a credit car you score goes south, make sure you make wise decisions

 

[docutech 10+ year member]

Save your $$

Pay Cash

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[JarvisB 10+ year member]

I ended up going to Best Buy because they had this 24 month no interest offer for laptops $999 or up.. So I just got myself a Macbook Pro and I am loving it sofar

 

[tRidiot 10+ year member]

just keep in mind every time you apply for a credit car you score goes south, make sure you make wise decisions

This usually isn't a huge amount, unless you go nuts applying for 10 different cards. A few points for just a single application or two.