Refused credit by Apple/Barclays

Ilona

john22 wrote: »

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.

You are very rude. But I will have the last laugh, because my life has been exactly how I planned it. Worked for 45 years, and no debt worries.

ilona

poppasmurf_bewdley

john22 wrote: »

Very weak argument indeed.

Ok. You win. You have a bigger **** than me.

MallyGirl

play nice people ...

robatwork

Disappointing thread.

The Apple v others topic has been done to death on a million forums.

What about Barclays vs others?

Anyway OP - what does your credit FILE (not score) say on callcredit and equifax? You can use Clearscore for the equifax one for free.

sourcrates

Keep it nice and on topic people please.


Thanks in advance........

Nasqueron

john22 wrote: »

Then base the response to what the OP is saying and find out exactly what they want and if they are willing to look at something else.

I did, I suggested they go for the cheaper iphone 8

john22 wrote: »

Just throwing out that Apple products are overpriced is lazy at best or resentful at worst.

They are overpriced for the spec as I said. I'm not saying people can't enjoy them, just the phone is not good value for money as you pay an excess for the name.

john22 wrote: »

Value comes in many ways and is not just equated to the cheapest price. This has been proven for the past 12 years of the iPhone because that same tripe of overpriced apple products was labelled against the first iPhone.

Apple know they have a loyal fan group who will buy anything they put out and not complain about rip-offs like changing the connectors to stop old earphones / charger cables working. You call it tripe, I call the vastly outnumbered sale of android devices proof that there are alternatives and that buying the latest iphone on credit is a bad idea for a money saving site

System

Nasqueron wrote: »

I did, I suggested they go for the cheaper iphone 8





They are overpriced for the spec as I said. I'm not saying people can't enjoy them, just the phone is not good value for money as you pay an excess for the name.






Apple know they have a loyal fan group who will buy anything they put out and not complain about rip-offs like changing the connectors to stop old earphones / charger cables working. You call it tripe, I call the vastly outnumbered sale of android devices proof that there are alternatives and that buying the latest iphone on credit is a bad idea for a money saving site

This money saving site was not set up to exclude certain brands or price points so arguement is lost.

Apple was pillard for having so called loyal fan group well before the iPhone and is another false perception of who only buys Apple products.

Hundreds of millions of people from all walks of life buy Apple products for various reasons. Trying to shoe horn hundreds of millions of people into the group that you think is correct is just being lazy.

David_Aston

Is your job with Apple at severe risk, John?

prowla

Ilona wrote: »

This is what jumped out at me when I read your first post. Not able to control your spending is a sure fire way to get yourself in deep brown stuff. So you didn't need a phone, you just fancied one because it looked nice. Carry on like that with all your purchases and we'll expect to see you back here in a few years time up to your eyeballs in debt.

Get wise and get a grip now before you hurtle down the slippery slope.

ilona

Exodi wrote: »

Thank yourself lucky, this demographic you speak of would appear to be the DFW forum as it seems every single one of them has an iPhone Z 2019 MAX XL impulse purchased and think paying £70+ a month for it is reasonable (spoiler alert: this is what I pay in a YEAR on PAYG).

You say you've just finished paying an EE contract so you presumably already have an iPhone 7 or something of that calibre? Do you really need one that operates 0.001s faster and has six extra cameras? The fact you mention a mortgage and multiple car finances worries me.

Of course you could be loaded and not care, but then I don't see why you would be bother with credit on anything or be declined in the first place.

What happened to the good ol' days where if people wanted something, they'd save for it?

EDIT:

Exactly my thoughts!!

Well, in this case, the iPhone is in an Apple plan 0% interest, so the option was whether to buy one outright or go for that easy option.


My existing outgoings are well in hand, as are my incomings.



Most people have a mortgage and a car loan, don't they? I mentioned them as they are the only loans I have, rather than an indicator that things are out of control.


As for needing the tech, that wasn't really the question - I was interested in finding out why the credit might have been refused.

prowla

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

To clarify - I can afford to buy the phone outright, but I was attracted to the Apple add-on covering damage and annual upgrade options, at 0% interest, so no money to nasty lenders & crazy interest rates.


As to affordability, the monthly rate is approximately 1 hour's pay, so it's well within my responsible financial boundaries.