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Regular Contributor
Posts: 237
Registered: ‎07-13-2012
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Apple Purchases - No Financing With Barclays and Walmart!

I'm planning on purchasing some Apple products in the near future (27" iMac and an iPad). My Barclay's card only has a $2k limit (origionally was $1300. reconed to $2k).  Have been hoping to take advanage of their free 12 month financing offer. Just waiting to see if they will be updating that iMac system before I purchase.  But anyway, I was also approved for a Walmart card. In the envelop was a certificate - No interest on an electrics purchase of $429. or more if paid in full within 18 months.  Offer ends on November 30th. Great!!!  I spilit them up, pay them down and save on interest!   Only thing is my Walmart has a $600.00 limit. iPad is about $775.00. I'll have to see if they will bump me up a little. I'll only have the card for 1-2 months then though.  Or, use the Target card, save 5% and pay interest. Almost balances out. It's all about planning and a little luck here and there! :smileyhappy: 

 

So for those of you that have been approved for a Walmart card, there might be an offer in your envelope! 

EX 638 (Lender 9/1) TA 650(Walmart 9/1) EQ 655 (FICO - 9/17)
Goal - 700 Club in '13!!!

My Wallet - Cap 1 - $300. Cap 1 - $750. Orchard - $950.
New as of 8/29 - Target - $3000. Barclay's - $2000. Merrick - $1000. Walmart $600. And as of 9/22 - JCP $200.
Frequent Contributor
Posts: 445
Registered: ‎09-14-2011
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Re: Apple Purchases - No Financing With Barclays and Walmart!

I just got approve for the Wally world car too, but I did not got it yet. I printed a coupon off there website for the 18 months 0% apr for 18 months for $429 or more for in store purchase on electronics. Wally card 5% off + my mothers long term service discount card = anther 10% off. :smileyhappy:

 

Garden mode till 11/19/2013 Amex Zync 500 H-L I Discover More 1750 I Capital One Rewards 1750 I Barclay Apple 1500 I Macys 2000 I Orchard 400 I Walmart 2000 I Chase Freedom 1500 I Lowes 1K l Barclay NFL 1K l Wright Express gas 2500 l PayPal Debit MasterCard BusinessCard $ ?
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Posts: 7,225
Registered: ‎09-16-2011
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Re: Apple Purchases - No Financing With Barclays and Walmart!

Ask for a CLI on wal mart card :smileyhappy: they seem to be generous.

Starting Score: 08/29/2011 TU 671 EQ 674
Current Score: TU 754 EQ 694 EX 697
Wallet: NFCU Visa Sig 25k, Amex Lowes 22k, NavCheck 15k, Amex PRG, Amex Zync, Discover It 13.5k, Amazon Visa 5k
Platinum Spade Garden Club Member: App Free since 1/1/13. No more apps til who knows when?
MyFICO Fitness Goal: 800s Club!



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Posts: 7,225
Registered: ‎09-16-2011
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Re: Apple Purchases - No Financing With Barclays and Walmart!

Also keep in mind that macing the card and paying the card off slowly will lead to two maxed cards and will damage your fico in the short term

Starting Score: 08/29/2011 TU 671 EQ 674
Current Score: TU 754 EQ 694 EX 697
Wallet: NFCU Visa Sig 25k, Amex Lowes 22k, NavCheck 15k, Amex PRG, Amex Zync, Discover It 13.5k, Amazon Visa 5k
Platinum Spade Garden Club Member: App Free since 1/1/13. No more apps til who knows when?
MyFICO Fitness Goal: 800s Club!



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Frequent Contributor
Posts: 445
Registered: ‎09-14-2011
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Re: Apple Purchases - No Financing With Barclays and Walmart!

A cli on walmart just opened is a HP ?

Garden mode till 11/19/2013 Amex Zync 500 H-L I Discover More 1750 I Capital One Rewards 1750 I Barclay Apple 1500 I Macys 2000 I Orchard 400 I Walmart 2000 I Chase Freedom 1500 I Lowes 1K l Barclay NFL 1K l Wright Express gas 2500 l PayPal Debit MasterCard BusinessCard $ ?
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Posts: 10,924
Registered: ‎12-30-2011
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Re: Apple Purchases - No Financing With Barclays and Walmart!


Brian_Trying_700 wrote:

A cli on walmart just opened is a HP ?


AFAIK all GE-backed cards are SP CLI's.  I don't have any personally but I think Wally falls into this category.

Starting Score: EQ 561, TU 567, EX 599* (12/30/11, EX lender pull 12/29/11)
Current Score: EQ 04 693, EQ 8 685, TU 705, EX 709 (02/27/15)
Goal Score: 700 on EQ 04 (01/01/16)


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Frequent Contributor
Posts: 445
Registered: ‎09-14-2011
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Re: Apple Purchases - No Financing With Barclays and Walmart!

Thank you. :smileyhappy: Yesssssssss

Garden mode till 11/19/2013 Amex Zync 500 H-L I Discover More 1750 I Capital One Rewards 1750 I Barclay Apple 1500 I Macys 2000 I Orchard 400 I Walmart 2000 I Chase Freedom 1500 I Lowes 1K l Barclay NFL 1K l Wright Express gas 2500 l PayPal Debit MasterCard BusinessCard $ ?
Regular Contributor
Posts: 237
Registered: ‎07-13-2012
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Re: Apple Purchases - No Financing With Barclays and Walmart!


webhopper wrote:
Also keep in mind that macing the card and paying the card off slowly will lead to two maxed cards and will damage your fico in the short term

I don't mind. I won't be applying for anything new in the near future. Plus, my total credit lines recently went from $1800. to $8600. recently so my utilization should stay low (about 20%). It used to hover in the 75-80% range. 

EX 638 (Lender 9/1) TA 650(Walmart 9/1) EQ 655 (FICO - 9/17)
Goal - 700 Club in '13!!!

My Wallet - Cap 1 - $300. Cap 1 - $750. Orchard - $950.
New as of 8/29 - Target - $3000. Barclay's - $2000. Merrick - $1000. Walmart $600. And as of 9/22 - JCP $200.
Established Contributor
Posts: 930
Registered: ‎06-12-2012
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Re: Apple Purchases - No Financing With Barclays and Walmart!

Not to thread jack but anyone have success with GE CLIs before the 4 month mark?
JP Morgan Select $10k | Citi TY Premier $15k | BofA AMEX $15k | Chase Freedom $20k | Discover IT $10k | Barclay Arrival+ 25k | AMEX SPG $10k | NASA Platinum-Advantage $10k | CapOne Quicksilver $5k | Amazon Card $10k | Chase Auto 1.49% | Joined myFICO 6/12 with a 540 FICO & today I'm over 750!
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