Buy a Mac on credit

Discussion in 'OT Technology' started by adelacruz, Jul 22, 2005.

  1. adelacruz

    adelacruz New Member

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    Ok so i want to get a mac but i cant afford to pay it all off now, is there some sort of way to make monthly payments on it using my bank account? i can afford to pay like 80 dollars a month, that wouldnt hurt, but i dont want their credit card or whatever. BTW im 16 but i might be able to get someone to sign for me.
     
  2. nashstradamus

    nashstradamus New Member

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    its hard to qualify through apple credit, maybe try going to best buy and applying for credit there? i might be easier
     
  3. veonake

    veonake OnT poster, OT lurker

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    What kind of Mac? A mini? It's called living within your means, if you're 16 and can only afford $80 a month, you shouldn't be purchasing a high-priced computer, and ESPECIALLY should not be making credit card payments. Damn I feel old.
     
  4. inamorata

    inamorata New Member

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    is there a CompUSA near you?

    cause they offer an 18month interest free credit card...its pretty badass

    purchase the comp today and not have to pay for it til NEXT february



    :wiggle:
     
  5. inamorata

    inamorata New Member

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    sometimes they have as much as 24 month interest free :)
     
  6. adelacruz

    adelacruz New Member

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    Well what i meant by that is that i can get an ipod and 15in. pb with superdrive and 128mb vid card through apples online sotre on apple credit for 67 dollars if i qualified so i wanted to see if anyone else could offer some sort of credit like this.

    WHat do you mean? I dont know alot about these terms so i dont know if you mean theres no interest for 18 months or no payments for 18 months because i would like to look into it.
     
  7. inamorata

    inamorata New Member

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    no interest for 18months

    you dont have to touch the credit card at all

    it will be the same price on day one as the last day of the 18th month

    just after 18 months, the interest rate goes to like 19%APR, which is 5% cheaper than dell anyway
     
  8. P07r0457

    P07r0457 New Member

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    dude, it's one thing to finance a car/house but you should never finance a computer.
     
  9. inamorata

    inamorata New Member

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    not true

    the girl i know got 500 from her mother which she paid the first month

    then she paid another 800 the second

    now she is going to wait until next summer, when she has a fulltime job again to pay the last 500


    easy as pie and it builds her credit
     
  10. P07r0457

    P07r0457 New Member

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    :ugh: I wholely disapprove of that method.
     
  11. inamorata

    inamorata New Member

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    ok then clearly you and i think differently
     
  12. adelacruz

    adelacruz New Member

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    Well do you know what percent you have to pay monthly because this would be interesting.
     
  13. P07r0457

    P07r0457 New Member

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    it's like 18% APR for the apple credit accounts (it's really just an apple mastercard, I think.
     
  14. adelacruz

    adelacruz New Member

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    18% apr is basically 18% of what is owed right? If its not please enlighten me, im a noob to all these terms.
     
  15. marcuspa

    marcuspa New Member

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    dog
    if you can get an interest free loan take it bro

    ok blood?
     
  16. P07r0457

    P07r0457 New Member

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    wrong. Buying something, regardless of interest rate, not currently having a job, under the assumption that you'll have a job next year, is stupid.

    car/houses... that's the only thing you should finance.
     
  17. adelacruz

    adelacruz New Member

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    i do have a job thats the only reason i would even try to finance something im just not earning much but id really like a mac and an ipod.
     
  18. P07r0457

    P07r0457 New Member

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    living within your means is a wonderful thing... do you NEED those right now? What is hurt by saving the cash?
     
  19. veonake

    veonake OnT poster, OT lurker

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    Wtf, we are agreeing on something... :noes: You noticed he was also 16, right? It's just a completely irresponsible thing to purchase a $2000 computer on credit, and pay monthly for close to two years, and likely not making payments because you're 16 and figure you can wait a few months and then you'll pay it off, then you get charged interest, then your credit score goes down at an early age. Etc.

    Save your money, or ask your parents for a computer for college when you go in a couple years. For now, why not put some of that $67 a month towards buying CD's.
     
  20. Blair

    Blair New Member

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    just open a savings account and be patient, apple will probably release something cooler in the meantime anyway
     
  21. Gothamist

    Gothamist New Member

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    i believe there is a reason that they give the loans w/ no interest for a reason. there is a demand and if they get some idiot who can't pay it off they make money big time. go for the credit but make sure you are 100% sure you can pay it off, or you're royally screwed!
     
  22. maczter

    maczter Life is trying things to see if they work.

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    never say never.

    ...though my experience is certainly the exception and not the rule.

    my senior year of college, i financed my first mac -- a 7100/80av with a 17" monitor, color printer, digitizing tablet and every app under the sun (photoshop, illustrator, quarkxpress, painter, suitcase, word perfect, and a bunch of stuff i don't remember for something silly like $7500 (would have been close to double that if software hadn't been so cheap at the student computer store).

    by the middle of my first year out of school, the computer had more than paid for itself in freelance gigs.
     

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