topic Re: Barclay for MacBook in Credit Cards

Barclay for MacBook

Anonymous — Thu, 22 May 2014 18:35:57 GMT

I'm interested in purchasing a MacBook but after my boyfriend got denied trying to get me a Mother's Day gift, I'm a little hesitant. I can pay cash but would rather finance so I can have that on my credit report. Right now my score is 640, (was 710, but I'm in the midst of a dispute) I have 3 & 4 years of credit card history - all paid on time. 3.5 years of an auto loan paid on time. But currently disputing two negatives on my report that are incorrect. One is a CO ( or CL - whatever that means) for rom jan '14 - April '14 for a bank that was negative for too long. Which I was aware of & paid with check in jan, but address wasn't updated & they sent back check - which was never received. Other negative is a Internet bill of 50$ that is in collections as of this month that I just paid today. They also didn't update address properly. So do I apply for finance, and if I get denied just call? or should I wait. I was thinking of waiting until July for school promotions they give out anyway.

Re: Barclay for MacBook

Creditaddict — Thu, 22 May 2014 18:45:00 GMT

since those are so new of negatives i would probably wait but they are really good with recon and pull TU only and maybe since they are smaller amounts and for things related to moving they will overlook.

Re: Barclay for MacBook

changingmantra2 — Thu, 22 May 2014 18:47:00 GMT

Wait - for school financing. If it helps - Best Buy usually has $100 off Apple comps for students/educators; you have to register your .edu email account with them. For what it is worth - I probably had about the same or slightly higher TU score than yours when I applied for the US Airways card. I was approved - but nearly a year later when I applied for an Apple card - just for the sake of having another card - I was denied. I tried to recon, but I was old no.

Also, if no interest for a while is what you want - there are many cards you can choose from with anywhere between 12 - 18 months of 0% financing. Try whogavemecredit.com to see what might be best for you to apply for. If you wait - your score might be a little higher - you can get a BB discount - AND maybe you will get a credit card that you can use anywhere, not just with Apple. But with recent col - it may be difficult - so no matter what waiting is a good idea.

@Anonymous wrote:
I'm interested in purchasing a MacBook but after my boyfriend got denied trying to get me a Mother's Day gift, I'm a little hesitant. I can pay cash but would rather finance so I can have that on my credit report. Right now my score is 640, (was 710, but I'm in the midst of a dispute) I have 3 & 4 years of credit card history - all paid on time. 3.5 years of an auto loan paid on time. But currently disputing two negatives on my report that are incorrect. One is a CO ( or CL - whatever that means) for rom jan '14 - April '14 for a bank that was negative for too long. Which I was aware of & paid with check in jan, but address wasn't updated & they sent back check - which was never received. Other negative is a Internet bill of 50$ that is in collections as of this month that I just paid today. They also didn't update address properly. So do I apply for finance, and if I get denied just call? or should I wait. I was thinking of waiting until July for school promotions they give out anyway.

Re: Barclay for MacBook

IWOL — Thu, 22 May 2014 19:40:35 GMT

I think that those negatives being so recent, you will get a denial form Barclays. I would wait until you can perhaps get those removed by goodwill or dispute.

They will definitely see those as a sign that you are perhaps having financial difficulties since they are so recent.

When/If you do decide to apply, I would not get the Apple card. The only benefit of that card is the 0% fianancing terms. After that, it earns no rewards of any kind.

If you want to go with Barclays, maybe consider the Arrival. I believe you get 15 months, no interest on purchases and then you can earn points on your purchases. You could get the one with the annual fee, whcih is waive dteh first year and then downgrade the second year to teh no annual fee is you put less than $5k a year on the card.

You can also get 3% additional rewards from Mac Mall through the Arrival online portal or 2% from Apple store, so if you buy your Mac with the Arrival you can get a total of 5% back to use on travel purchases.

Re: Barclay for MacBook

TRC_WA — Thu, 22 May 2014 19:55:22 GMT

The Apple card was beneficial when I bought my MB Air and iPhone 5s at 0%...

... Otherwise it's a worthless card. Much like BBY... Only good for the 0% promos. But hey... It got my foot in the door with Barclay.

Re: Barclay for MacBook

PlasticOrPlastic — Thu, 22 May 2014 20:23:50 GMT

@TRC_WA wrote:
The Apple card was beneficial when I bought my MB Air and iPhone 5s at 0%...

... Otherwise it's a worthless card. Much like BBY... Only good for the 0% promos. But hey... It got my foot in the door with Barclay.

^ Agreed, I ended up purchasing an iMac, then PC the card to a Rewards Visa...pretty sweet deal I got there.

Re: Barclay for MacBook

TRC_WA — Thu, 22 May 2014 22:51:44 GMT

@PlasticOrPlastic wrote:
@TRC_WA wrote:
The Apple card was beneficial when I bought my MB Air and iPhone 5s at 0%...

... Otherwise it's a worthless card. Much like BBY... Only good for the 0% promos. But hey... It got my foot in the door with Barclay.
^ Agreed, I ended up purchasing an iMac, then PC the card to a Rewards Visa...pretty sweet deal I got there.

How long were you a cardholder before you did the PC? I've had my card for 9 months... already got an auto CLI at 6 months from $1200 to $2200 and balance is $0 so I think I'm in their good graces... LOL

Re: Barclay for MacBook

PlasticOrPlastic — Fri, 23 May 2014 19:15:33 GMT

@TRC_WA wrote:
@PlasticOrPlastic wrote:
@TRC_WA wrote:
The Apple card was beneficial when I bought my MB Air and iPhone 5s at 0%...

... Otherwise it's a worthless card. Much like BBY... Only good for the 0% promos. But hey... It got my foot in the door with Barclay.
^ Agreed, I ended up purchasing an iMac, then PC the card to a Rewards Visa...pretty sweet deal I got there.
How long were you a cardholder before you did the PC? I've had my card for 9 months... already got an auto CLI at 6 months from $1200 to $2200 and balance is $0 so I think I'm in their good graces... LOL

TRC, when I did the PC my 5th statement cut, however I've gotten no auto love on that card because I moved some balances around and Barclay considered that "change of credit line". They even let me keep the 18 month 0% promo on the Visa Rewards (for the iMac purchase only of course).

Re: Barclay for MacBook

TRC_WA — Fri, 23 May 2014 20:46:03 GMT

Thanks for the tip.

I'm probably going to keep rolling with this card for another 3 months to reach 1 year and then see if I get a 2nd round of auto love and find out if a PC is possible too.

Re: Barclay for MacBook

PlasticOrPlastic — Fri, 23 May 2014 20:54:10 GMT

@TRC_WA wrote:
Thanks for the tip.

I'm probably going to keep rolling with this card for another 3 months to reach 1 year and then see if I get a 2nd round of auto love and find out if a PC is possible too.

Good plan, had I been a bit more patient I would have done the same!

Re: Barclay for MacBook

TRC_WA — Fri, 23 May 2014 20:55:55 GMT

@PlasticOrPlastic wrote:

Good plan, had I been a bit more patient I would have done the same!

On second thought...

http://ficoforums.myfico.com/t5/Credit-Cards/Barclays-APPLE-visa-PC/td-p/1905149/page/3

After reading page 3 I think I'll just continue to accept Barclays auto love and leave it at that... LOL

Re: Barclay for MacBook

PlasticOrPlastic — Fri, 23 May 2014 20:56:23 GMT

@TRC_WA wrote:
@PlasticOrPlastic wrote:

Good plan, had I been a bit more patient I would have done the same!

On second thought...

http://ficoforums.myfico.com/t5/Credit-Cards/Barclays-APPLE-visa-PC/td-p/1905149/page/3

After reading page 3 I think I'll just continue to accept Barclays auto love and leave it at that... LOL

Lol for UTIL padding? The card was kind of useless to me after the promo expired...they ocassionaly give promos but I don't buy that many Apple products haha.

Re: Barclay for MacBook

TRC_WA — Fri, 23 May 2014 21:01:46 GMT

@PlasticOrPlastic wrote:
@TRC_WA wrote:
@PlasticOrPlastic wrote:

Good plan, had I been a bit more patient I would have done the same!

On second thought...

http://ficoforums.myfico.com/t5/Credit-Cards/Barclays-APPLE-visa-PC/td-p/1905149/page/3

After reading page 3 I think I'll just continue to accept Barclays auto love and leave it at that... LOL
Lol for UTIL padding? The card was kind of useless to me after the promo expired...they ocassionaly give promos but I don't buy that many Apple products haha.

Yeah same here... I already bought all the apple products I intend to buy.

I would love to PC it to a Rewards card and will probably give it a go at the 12 month mark. My last new CC account was in December and I have just 1 inquiry this year (my car refi) so even though I read that thread and see multiple different topics by people that had their acounts closed I think I'll be fine.

From that thread:

OP, the bottom line is that Barclay is a great bank. They are good with giving wonderful increases and I've had nothing but the best customer service from them. However, it would be foolish to say that they don't randomly close accounts based on what they perceive to be risky behavior.

If you have opened a few accounts recently, I wouldn't call them for a PC. Just hold on to the Apple card, put a recurring charge on it once a month and pay it off in full. After sixish months, call and ask for a PC. Once you have demonstrated good use of your card, they will be really pleasant to work with.

That's exactly what I've been doing and for good reason... they've SP my CR every single month since I got their card.

Re: Barclay for MacBook

PlasticOrPlastic — Fri, 23 May 2014 21:03:57 GMT

@TRC_WA wrote:
@PlasticOrPlastic wrote:
@TRC_WA wrote:
@PlasticOrPlastic wrote:

Good plan, had I been a bit more patient I would have done the same!

On second thought...

http://ficoforums.myfico.com/t5/Credit-Cards/Barclays-APPLE-visa-PC/td-p/1905149/page/3

After reading page 3 I think I'll just continue to accept Barclays auto love and leave it at that... LOL
Lol for UTIL padding? The card was kind of useless to me after the promo expired...they ocassionaly give promos but I don't buy that many Apple products haha.
Yeah same here... I already bought all the apple products I intend to buy.

I would love to PC it to a Rewards card and will probably give it a go at the 12 month mark. My last new CC account was in December and I have just 1 inquiry this year (my car refi) so even though I read that thread and see multiple different topics by people that had their acounts closed I think I'll be fine.

From that thread:

OP, the bottom line is that Barclay is a great bank. They are good with giving wonderful increases and I've had nothing but the best customer service from them. However, it would be foolish to say that they don't randomly close accounts based on what they perceive to be risky behavior.

If you have opened a few accounts recently, I wouldn't call them for a PC. Just hold on to the Apple card, put a recurring charge on it once a month and pay it off in full. After sixish months, call and ask for a PC. Once you have demonstrated good use of your card, they will be really pleasant to work with.

That's exactly what I've been doing and for good reason... they've SP my CR every single month since I got their card.

And I was just the opposite, I opened a QS1 account, and a Discover IT card, then called to PC my Apple card. CSR told me my account looked great and they'd be happy to give me a PC to the rewards VISA.

Re: Barclay for MacBook

TRC_WA — Fri, 23 May 2014 21:13:34 GMT

@PlasticOrPlastic wrote:

And I was just the opposite, I opened a QS1 account, and a Discover IT card, then called to PC my Apple card. CSR told me my account looked great and they'd be happy to give me a PC to the rewards VISA.

As with everything credit, it's YMMV.

I've seen the SPs on my credit every month and read the multiple account closure threads on these very forums from people with multiple new accounts and inquiries to know that Barclay doesn't hesitate if they think you are a risk.

Obviously they didn't in your case... and I don't think I'll have a problem either. Still gonna wait 3 more months till my account is a year old though.