Refused credit by Apple/Barclays

poppasmurf_bewdley

john22 wrote: »

Yip defiantly a bitter and resentful person towards anyone who likes something that they find no value in.

How wrong you are! I have an iPhone and have had three in the past six years. The only difference being that I paid my daughter £150 for her iPhone 6 when her contract ended last year and she upgraded. And my monthly contract for unlimited texts and calls plus 3Gb data is £8 per month.

PS. And now she has finally seen sense and stopped changing her phone for a new one every two years.

Ilona

john22 wrote: »

Oh come on can you not come up with something original than “overpriced”

That same old tripe has been trotted out for decades. By your logic everyone would be buying the cheapest products and you would not have expensive watches, clothes, cars, holidays, houses, perfume.... need I go on!

No, you don't. I have no problem with people buying expensive whatever, if they have the income to pay for it in cash. Got a few million, buy a super yacht or a private plane, go on holiday, buy six houses. The trouble is those who's income is lower down the scale see what others have and want the same. It's all about, well they've got one and I want one as well.

Sorry but I am old school, I have had a brilliant life and I'm enjoying every minute of it now, because the only borrowing I have had is a mortgage.

ilona

System

Exodi wrote: »

No, before everyone became entitled to own the newest iPhone regardless of their income. I don't understand your loaded comment about the absurdity of buying cars without credit? I won't even acknowledge your exaggeration of buying houses outright.

Consumer borrowing is increasing over inflation, it's not as if this is secret information...



I don't have an issue around loans and credit cards, I have an issue with the modern day reliance on instant gratification and the availability of credit, it's completely acceptable nowadays to have £0 in the bank but to have no problem buying a £1000 on credit and to then spend your wages on interest repayments instead of savings.

EDIT:



I keep posting after you but we have the exact same views, are we even different people?! This is really making me question reality now.

Well before your fancy little chart and fancy iPhones and the internet my Mother would take out loans with Provident and pay back weekly and get it recorded on her little book so she could buy gifts.

The reason i say this is because people taking out loans or credit and the affordability issues has been around since cash itself.

So drop the good old days that you saved money if you wanted something rubbish.

its a much bigger and complicated issue than just some person wondering why they got refused credit on the Apple upgrade program.

Ilona

john22 wrote: »

erm we do live in a free democratic society that has decided to allow people to take out credit. So not skewed at all and is just a simple reflection that some of your fellow citizens freely choose to buy things in a different way to you.

Those that think they should have everything they desire are setting themselves up for a fall. What makes them think they are entitled to everything that takes their fancy. The best way to pay for things is to save up and pay cash, and not line the pockets of lenders with interest payments. I can't understand why people choose to give away their hard earned money in crazy interest rates.

ilona

System

poppasmurf_bewdley wrote: »

How wrong you are! I have an iPhone and have had three in the past six years. The only difference being that I paid my daughter £150 for her iPhone 6 when her contract ended last year and she upgraded. And my monthly contract for unlimited texts and calls plus 3Gb data is £8 per month.

PS. And now she has finally seen sense and stopped changing her phone for a new one every two years.

well why come out with the snarky comment "flash my cash"?

poppasmurf_bewdley

john22 wrote: »

Oh come on can you not come up with something original than “overpriced”

That same old tripe has been trotted out for decades. By your logic everyone would be buying the cheapest products and you would not have expensive watches, clothes, cars, holidays, houses, perfume.... need I go on!

john22 wrote: »

well why come out with the snarky comment "flash my cash"?

Because you came up with the sarky comments in your original post, atop.

Ilona

You would laugh at my little Nokia that only does texts and phone calls. I don't want to walk around with a screen glued to my face. It's on a PAYG, less than £5 a month. :rotfl:

ilona

System

Ilona wrote: »

Those that think they should have everything they desire are setting themselves up for a fall. What makes them think they are entitled to everything that takes their fancy. The best way to pay for things is to save up and pay cash, and not line the pockets of lenders with interest payments. I can't understand why people choose to give away their hard earned money in crazy interest rates.

ilona

The reason you can’t understand is because you think your life is the only way living and are so closed minded and ignorant to not understand that we are complicated individuals who’s life experiences and biological make up makes us do things differently from one another.

System

poppasmurf_bewdley wrote: »

Because you came up with the sarky comments in your original post, atop.

Very weak argument indeed.

Paul_DNAP

john22 wrote: »

Oh come on can you not come up with something original than “overpriced”

That same old tripe has been trotted out for decades. By your logic everyone would be buying the cheapest products and you would not have expensive watches, clothes, cars, holidays, houses, perfume.... need I go on!

They make reasonably functional consumer electronics promoted as a high-end brand charging luxury prices.


It is perfectly reasonable therefore, particularly in the context of the website we are on, to mention that (a) there are cheaper ways to fulfil the functionality you require and (b) funding a luxury brand high-end lifestyle by getting into debt is not a sustainable financial plan.


By all means, if you can justify it, and budget for it, buy whatever you like. But that does not mean you have the right to be accepted by the people you are asking to lend you the money.


Going back to the OP - if you're dead set on it, then there are many other ways to get the new iPhone other than buying it direct from the Apple store on their credit plan. Although many of those are tied to a service contract. But you could buy it off the internet on a credit card and then balance shift to a 0% one for e.g.