MacBook Payment Methods?

Question

MacBook Payment Methods?

I put this question in here because it did not fit in with any of the other MacBook forums. If you know of a better place for this question to go, please let me know!

I plan on buying the MacBook that costs $1,299. I would like to pay the monthly fee of (or around) $31. In order to pay a monthly fee though I read that you need to either pay with the Juniper Visa Card or pay with the Bill Me Later method. Both of which I have questions and have no found answers to on the forums or by anyone who has talked to me through the Apple phone lines.

1] Is the Juniper Visa Card like any other credit card? Example: I would purchase the MacBook online with it and then I would recieve a monthly bill to pay it off? If so, once the MacBook is paid off would I still have the Juniper Visa Card or would I be able to get rid of it/cancel it?

2] To my knowledge if I select the Bill Me Later method the MacBook will be shipped to me within 24 hours, but the bill will not arrive till a later time? And once the bill arrives I can choose to either pay the MacBook off in full or pay it off as a monthly bill? If I choose the monthly bill, it's be $31 for the MacBook, but will there be another cost added onto that for using the Bill Me Later method?

3] For both payment options, will I be able to pay off more than $31 a month in order to pay off the MacBook sooner? Or is that not allowed and you are ONLY allowed to pay just $31?

4] With either payment, will it still ship within 24 hrs?

5] If I have all of this information wrong, please let me know and help me as best as you can. I'd especially like to hear from people who have actually used one of these methods.

MacBook

Posted on Oct 26, 2008 10:06 AM

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Answer 1

Kappy

Level 10

362,007 points

Oct 26, 2008 10:42 AM in response to georgebrobinson

Bill Me Later method does not mean the computer is shipped to you, then you pay later. It simply means that you will be billed later, then must arrange payment method after which the computer will be shipped to you. No vendor in their right mind would ship a computer to someone who hasn't yet paid for it.

Any credit card method of payment means that the purchase is charged to the credit card. You would then make monthly payments to the credit card issuer or bank. After you pay off the bill you still have the card and can use it like any other charge card.

In order to get the credit card you will have to provide your information so the issuer can check your credit and determine if they will issue you a card.

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Answer 2

Oct 26, 2008 11:03 AM in response to georgebrobinson

Hi george,

The Juniper Visa card is just a normal credit card. You apply, get accepted, and then can make an instant purchase online, or wait for the card to arrive, and use it in store. Its not a great deal except for points buying Mac or iTunes product. You get three months to pay off in full without interest. But if you don't pay off in three months, all interest charges apply from date of purchase.

A better deal would be to apply for a Best Buy card and purchase there. They are offing 18 months interest free financing. This gives you that much time, and payments can be whatever the minimum required is, or you could pay off early.

Good luck!

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Answer 3

Oct 26, 2008 12:20 PM in response to Peter K. Grether

I know people under 18 can get credit cards with some type of sign off from their parents, do these rules apply to the Best Buy credit card too? If so I'll just sign off for my child to get it.

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Answer 4

Kappy

Level 10

362,007 points

Oct 26, 2008 12:36 PM in response to georgebrobinson

You must be at least 18 to have a credit card in your name. Otherwise your parents would need to obtain the card for you, although the name on the card can be yours. This is true of any credit card issuer. Minors cannot legally contract.

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Answer 5

jstaff

Level 1

0 points

Oct 26, 2008 7:48 PM in response to georgebrobinson

Bill Me Later is a credit account that is extended on a per-purchase basis, rather than as an open and revolving line of credit. You would get the item right away, as Bill Me Later would be your source of credit. They (CIT bank) pay Apple, you pay them. This is, of course, assuming you qualify for credit from CIT Bank (Bill Me Later).

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