topic Re: Barclays Apple Financing Visa - Question in Credit Cards

Barclays Apple Financing Visa - Question

0REDSOX7 — Mon, 13 Oct 2014 01:27:52 GMT

For those of you who have this product. I know initially when you open the account, you hand 21 days to purchase an Apple product to qualify for the no interest program.

Do they occasionally send out more of these offers periodically? I just got a MacBook Air with it and say in six months or so, will they send other 0% offers?

Thanks!

Re: Barclays Apple Financing Visa - Question

taxi818 — Mon, 13 Oct 2014 01:31:42 GMT

yes they send them all the time. also no balance transfer fee offers all the time.

i did not take advantage of the first 21 days. but its ok. sock drawer time. for this puppy. until next year.

Re: Barclays Apple Financing Visa - Question

0REDSOX7 — Mon, 13 Oct 2014 01:33:37 GMT

Great - thanks for the info.

Barclays gets a lot of love from me since they've been good to me so soon after my BK discharge.

Re: Barclays Apple Financing Visa - Question

taxi818 — Mon, 13 Oct 2014 01:35:46 GMT

i have no problems with barclays. i will just show a little luv to this card. until the 1 year mark. then i will just pc it to my favorite nfl card. or maybe the arrival. i don;t want a AF.

as i already have too many cards for my wallet. its crowed in there.

Re: Barclays Apple Financing Visa - Question

0REDSOX7 — Mon, 13 Oct 2014 01:42:31 GMT

I understand.

Trying to get back to that point, lol.

I do like how they allow you to change your credit limit between the cards. Might do that later on. Depends on what fun stuff Apple comes out with.

Re: Barclays Apple Financing Visa - Question

taxi818 — Mon, 13 Oct 2014 01:44:40 GMT

The apple watch is on radar. 18k gold. Xmas. Waiting. Not sure if you can get new 0% offer.

Re: Barclays Apple Financing Visa - Question

dize — Mon, 13 Oct 2014 02:57:50 GMT

I have another question about this card, which might be odd...So I got this card on jun 19, but I never used it. I was going to buy an iphone 5s at full price with it becasue I broke my phone, but the representative at the apple store's personality left a lot to be desired, so I walked next door and bought it from ATT... Now I might switch to sprint and buy an iphone 6 and actually take advantage of the 0%. Here is what my problem is, though. I canceled the card and moved the balance over to my barclay rewards about a month ago, so I would have to reapply. what is the likelyhood they would approve something like that, and do they have any policies against something like this? especially since I've opened about 6 accounts since that approval.

I don't mean to hijack the thread, I just don't feel theres a need for a whole new thread on this card.

Thanks

Re: Barclays Apple Financing Visa - Question

DrDG — Mon, 13 Oct 2014 03:29:12 GMT

Did you have any derogatory accounts on your credit at the time of applying? May I ask what was the CL they started you off with? I am considering applying for this card myself, I was just afraid my scores were too low.

Re: Barclays Apple Financing Visa - Question

Anonymous — Mon, 13 Oct 2014 03:38:33 GMT

DrDG, I got this card a couple months ago. I actually apped for the Barclay MC rewards for average credit and got that with a $1300.00 limit and then within an hour I applied for this Apple financing Visa and got it with a $1700.00 limit. The app asked me how much I wanted/needed and I checked the box for $1000-$1500 and got $1700.

My TU score at the time was 647, I had a 2 year AAoA a few 30 day lates from March and April 2012 and a 3 year old collection for $3200. Also had a reasonably high utilization on one or two cards when apped, over 30%. Hope this helps!

Re: Barclays Apple Financing Visa - Question

DrDG — Mon, 13 Oct 2014 04:05:11 GMT

WOW!!!! That DOES help! Thanks. Let me ask you this...I'm very new to this forum. I dont know all of the abbreviations are and I don't know what hit the "luv" button means. Also, where is everyone applying? Are you going directly to the site or are those links here? Thank you so much for all of your help. This is the best forum ever!

Re: Barclays Apple Financing Visa - Question

Anonymous — Mon, 13 Oct 2014 04:09:12 GMT

@DrDG wrote:
WOW!!!! That DOES help! Thanks. Let me ask you this...I'm very new to this forum. I dont know all of the abbreviations are and I don't know what hit the "luv" button means. Also, where is everyone applying? Are you going directly to the site or are those links here? Thank you so much for all of your help. This is the best forum ever!

Check your other thread, don't want to hijack this one.

Re: Barclays Apple Financing Visa - Question

0REDSOX7 — Mon, 13 Oct 2014 11:42:51 GMT

I had a bankruptcy from February of this year on my credit report - as well as all the accounts included in it, so, I have my share of baddies.

Barclays likes to see six months minimum of usage on another card to show on time payments before you are considered for any of their products b

Re: Barclays Apple Financing Visa - Question

coldnmn — Mon, 13 Oct 2014 12:09:22 GMT

@DrDG wrote:
WOW!!!! That DOES help! Thanks. Let me ask you this...I'm very new to this forum. I dont know all of the abbreviations are and I don't know what hit the "luv" button means. Also, where is everyone applying? Are you going directly to the site or are those links here? Thank you so much for all of your help. This is the best forum ever!

List of abbreviations

http://ficoforums.myfico.com/t5/User-Guidelines-General/Common-Abbreviations/m-p/88458

Re: Barclays Apple Financing Visa - Question

Anonymous — Mon, 13 Oct 2014 14:34:52 GMT

Good to know that they offer 0% throughout the use of the card. I'll probably get the iPhone if they offer it.

Re: Barclays Apple Financing Visa - Question

taxi818 — Mon, 13 Oct 2014 16:14:16 GMT

@Anonymous wrote:
Good to know that they offer 0% throughout the use of the card. I'll probably get the iPhone if they offer it.

Yes. But know one knows when the 0% will show up.