what options do i have ?? I'm a college student starting a graphic design course and i need either a macbook or a macbook pro on payment terms...
HELP Plz....
In all seriousness, I would integrate the purchase of a MB/MBP as part of your student debt (i.e; Line of Credit/Student Loan), especially since you require it for school purposes.
Other members will probably make alternative suggestions.
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I use Best Buy's CC all the time to buy my Macs. No payments or interest for one year. You basically pay the machine off in a year; pay when you want to pay.. in whatever amount you can.. but and this is a BIG but... you have to pay off the machine before the year is up if not you pay interest at something like 28% from the day of purchase. It's very convenient and I always pay off my balance that I have... also Best Buy and Futureshop have an excellent return policy if you're not happy with your purchase.
Application is done in store at the customer service counter. There is a 25$ annual fee I think....
24-month equal payment plan at Future Shop or Best Buy.
What interest rate do they charge over that period of time?
My suggestion would be to try get a line of credit from a brick and mortar bank or virtual bank. Hopefully you had a summer job and can use this for the LOC application. Also you can use or may need to use your parents as co-signers for the LOC. The advantage of this is the lower interest rates, and the floating available balance. Of course if misused you can get into as much trouble with a LOC as a credit card.