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Best Buy CC & Iphone 11 pro

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Valued Contributor

Re: Best Buy CC & Iphone 11 pro

I never buy phones from carriers for these reasons :

1.0. Phones are carrier-locked until paid off or at least a few months in the case of T-Mobile. You can’t BYOP in case you switch carriers and most importantly you can’t use pre-paid SIMS when you travel abroad.

2.0 You also get tied and locked again into a contract with the carrier that can potentially cost you early termination fee in case you decide to switch in the future.

I always buy directly from Apple full purchase because :

1.0 Phones are factory unlocked and can be used with any SIMs here and abroad. I can switch carriers anytime I want to and not be tied and locked on a contract.

2.0 I pay using either Paypal Credit 6 months 0% financing for 6 months or a cc with 0% financing (I used my Barclays Financing Visa with 18 months 0% $1,352 total when I pre-ordered last week).

3.0 I would NOT recommend Financing thru Apple via Citizens Bank because of the HP every time you upgrade and finance with them. Might as well app for a new CC with 0% intro APR and SUB every time you buy an iPhone at least you get the SUB!
BK7 dc in 01/2011 with FICO8 in the 500s

HPs EX 5 EQ 4 TU 1
AAoA 5y2m
UTIL 1% - 3%

$200K+ Total Limits







New cc TLs 1/6 ; 1/12 & 4/24
Message 11 of 12
Frequent Contributor

Re: Best Buy CC & Iphone 11 pro


@JR_TX wrote:
I never buy phones from carriers for these reasons :

1.0. Phones are carrier-locked until paid off or at least a few months in the case of T-Mobile. You can’t BYOP in case you switch carriers and most importantly you can’t use pre-paid SIMS when you travel abroad.

2.0 You also get tied and locked again into a contract with the carrier that can potentially cost you early termination fee in case you decide to switch in the future.

I always buy directly from Apple full purchase because :

1.0 Phones are factory unlocked and can be used with any SIMs here and abroad. I can switch carriers anytime I want to and not be tied and locked on a contract.

2.0 I pay using either Paypal Credit 6 months 0% financing for 6 months or a cc with 0% financing (I used my Barclays Financing Visa with 18 months 0% $1,352 total when I pre-ordered last week).

3.0 I would NOT recommend Financing thru Apple via Citizens Bank because of the HP every time you upgrade and finance with them. Might as well app for a new CC with 0% intro APR and SUB every time you buy an iPhone at least you get the SUB!

+1

I buy directly from Amazon for $185-250. No luck with phones

Amex Blue Cash $20k
Chase FU $9.2k
BOA Cash Rewards $7k
Comenity BJ's Perks Plus M/C $8k
Cap1 QS $750 (AU), BOA Auto
Oct. 2019 TU 820, EX 820, EQ 797
INQ 1/6, 1/12, 2/24.......TU-0, EX-2 EQ-2
Message 12 of 12
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