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Installment Plans for a new Macbook


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barrocks

 
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My friend was able to get an apple student card which allows him to buy a new macbook air by installment. Of course he can only buy 1 laptop using that card. is there any other way that we can buy another macbook that allows us to pay in an installment plan same as to having an apple student card? he can use his cc to buy for me and just pay him monthly.
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Kash

 
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I've never heard of this student card, but the credit plan provided through Juniper espoused by Apple is not a good plan as the interest rates are just abysmal. I would recommend applying for a new credit card that offers little to no interest and try to pay it off before the interest kicks in. You get your payment plan without having to pay any interest, plus it builds your credit rating. I did this with a new American Express card and it worked out great as I got 15 months of no interest.


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dinkjs

 
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Instead of going into debt....which everyone is crying about right now in the world....just save the money and pay cash
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I would highly recommend against paying installments. You wouldn't have to pay any exorbitant interest, fret every now and then about taking that wad of cash outta your pockets to pay every month for that macbook which you bought a year ago, or to worry about not earning and having enough to settle those installments. Don't risk going in debt.

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GinoLicious

 
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I agree with what most people have said here. Do not bother with paying monthly for the macbook. Your best option would be either ask your parents if they can purchase the computer for you, and you pay them back, or you just continue to save your money until you are able to purchase the product. Everyone makes a valid point in not going into debt, if you can avoid it, then you should.
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It's also a very bad idea to borrow that kind of money from friends (or put things on their charge cards). You're just asking not to be friends a year from now.

And for those that do loan to friends, make sure you never loan more than you're willing to give them and that you have the ability to then consider that loan as a gift. As long as you never expect to be repaid, it'll never come between your friendship. If they do repay you, that's just a bonus. (You can call it a loan, but in your mind it has to be a gift. If you can't afford to give that money away, you also can't afford to loan it.)

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mac747

 
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americanmusical.com sells some Mac's and you can do either a 3 payment or 5 payment plan. They basically take the total cost and divide it by 3 or 5 months and charge you each month.

NO INTEREST!

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Quote:
Originally Posted by mac747 View Post
americanmusical.com sells some Mac's and you can do either a 3 payment or 5 payment plan. They basically take the total cost and divide it by 3 or 5 months and charge you each month.

NO INTEREST!

Not really the best option, either.

https://www.americanmusical.com/content--id-1

Bascially, you still need a credit card for this... and one with an available credit limit large enough to cover the entire balance. Plus, the 5-payment plan still requires credit approval.
I don't really see the advantage of splitting up the payments here.

To the OP... there is no "student" card... it's just a credit card. The "installment" would simply be the minimum monthly payment for that card.

If you want something expensive that costs more than the money you currently have available (and it almost makes no difference what that is), then the best thing to do is to just save your money and make the purchase when you have enough money.

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pixeldamage

 
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I highly recommend AGAINST ever paying for a computer in installments. I know from experience. I bought my G5 on Apple credit and slowly realised I was paying for something that I wanted to badly upgrade. I think this is the case for any computer purchases with credit(possibly anything technology wise that's very expensive). I was VERY fortunate to be able to sell it off for almost what I owed on it still. I only lost a couple hundo in the deal. Anyway, save up man, chances are you'll find yourself standing in front of a higher quality computer when the time comes to purchase it.
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