Inflation means discount on balance, plus put the money in Apple savings account, or not it's still zero interest. Be smart and take advantage of zero interest.
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Apple Card Monthly Installments Term for Apple Watch to Change From 24 Months to 12 Months
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Gotta love made up numbers to support a narrative, trendy in today's world.
While I understand that, but the fact you can get a MagSafe charger over 12 months and a Mac over 12 months is a bit ridiculous. Up until this article, you could get an Apple Watch for 24 months or a Mac for 12 months.
People dont upgrade Macs every year or 2. They hold them for a long time. So why not allow more people to get a Mac at a lower monthly payment over 24 months instead of an absurd payment over 12 months. It just makes sense.
Lots of people will say they understand it, and then also complain about how gas used to be $0.99/gal and a plate of spaghetti at restaurant was $2 back in 1958.
Agree I hate having to pay off the whole card just to pay off devices off early
Ah thanks, found it. Bummer though. Guess it’s a good thing I bought my series 8 when I did.
All the humblebrags on here about people wishing the term was shorter, and sneering at people who want to pay for the watch over 2 years. Like anyone here believes you’ve got any money, you’re probably living at home and your parents buy you a new Apple Watch every year
Yes there is. I put my M1 air on the monthly plan and I got 3% back.
Echoing everyone else. Put your money in savings and pay it off over time. I paid for my iPhone and Series 6 upfront, but would use the apple card payment plan in the future...I'm not looking into upgrading either, for several years, though.
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I would say it depends. If it's Ultra pushing $1k then maybe. But SE or older ones make 12. Regardless of the item, the term should depend on the price like some cards do.
Exactly there is zero disadvantage of a longer term at 0%. You can just pay it off if you want to upgrade in a year.
Not sure why people want to pay overtime for something at msrp. You’re getting ripped off the bat.
Anything I would get at apple is already 10% off with vet discount. If it’s not already more discounted at other places.
Pay over time is stupid on a credit card (only at zero, this is given) unless the item is already discounted.
I’ve heard the explanations. You’ll invest it instead. (No you won’t). But will you stop there? I know many with multiple items they’re paying “zero” interest on. They live paycheck to paycheck.
Anything I would get at apple is already 10% off with vet discount. If it’s not already more discounted at other places.
Pay over time is stupid on a credit card (only at zero, this is given) unless the item is already discounted.
I’ve heard the explanations. You’ll invest it instead. (No you won’t). But will you stop there? I know many with multiple items they’re paying “zero” interest on. They live paycheck to paycheck.
I only qualify for a discount through my work. 2%, so even just using the Apple Card I am getting a better "discount." I can afford to pay in cash up front many times over, but why not spread it out to give my current cash flow less of a hit? Will I invest the extra money? No. Will the money stay in my savings account currently earning 4.10% until I have to make my payments? Yes.
Think it only does if it's on a real CC. Never see things like carrier financing or iUP or Affirm ever show up.
Yes, a lot of people live paycheck to paycheck. I don't, so I'll take advantage. The rule for me is that I only do these 0% payment plans if I have enough in my regular savings account to pay for it, full price, on day one.
Please don't try and speak for everyone.
yes 3y is the stupidest thing ever. Let people pick their term. They just draw it out because of trade in promos that credit the installments, so if people leave early they need to pay the rest off. I think it's actually bad for the seller to make it longer. When it was 24, if I wanted to upgrade after a year, paying off the second half was cheaper than the trade in promo I would get. But with 36, it's still 2/3 left after a year, which is closer to the trade in promo, so it doesn't seem as worth it.
That shows how high profit Apple items are, unless they rely on accessories and services to make up the difference.
This is still the greatest one though!
USB-C to Apple Pencil Adapter
$9.00or
$0.75/mo.per month for 12 mo.months*
How the Watch had 24 months and Macs only have 12 months was always quite strange to me. I'm hoping Apple one days extends the AC installments to 24 months on pricier items.
Can someone educate me on this cash back from Apple then? Here are the 3 iPhones I purchased from Apple end of May.
I am only seeing cash back from the one I paid for in full up front & not for the one’s I am making monthly payments on with 0% interest. Feeling a little ripped off right now.
It's shown under the reciept.
