IPad 2 Consumer Finance

I ordered my iPad 2 3g on Friday (in the UK) and am buying it with the apple/barclays consumer finance option! I am still waiting for a letter from Barclays to sign and return. Does anyone know how long these things usually take to come through? I'm gonna have to wait another 3-4 weeks at least after Barclays have receied my forms back!

i applied last night and was accepted, they sent me 2 emails the first with a link to the CCA agrement of Barclays for the finance and the second email was a password to enter. once you go to the link it asks your to answer your security question and enter the password from the email they sent you , then you are directed back to the apple order form where you must click 'proceed', the cca finance agreement is then ready to download for your records. Please be aware that if you do all the steps correctly you do not have to manually print, sign and post the forms to barcaly, by entering all the passwords and clicking proceed you are signing the forms electronically and the barcalys team will then contact apple with your loan agreement and apple should then notify you of the dipatch details. I wasnt sure if i had to physically sign and post the forms so i rang the helpline who instructed me it was un-necessary and that the application was through sucessfully hope this helps.

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    Revelate wrote:
    pricetyler wrote:
    I purchased an engagement ring roughly 12 months ago and recieved 12 months 0% finance.I ended up paying it off within 6 months but I knew if I put it on my credit card it would screw up my utilization percentage.I try to keep mine below 5%.Plus, loans like this can often raise your credit score a little as they show you can handle multiple types of credit.The only reason I would ever put a large purchase like this on a CC would be: 1. If the rewards you would be getting on the card for the purchase would outweigh the risk/your credit dropping a little2. If the card still had a 0% intro and you would definately pay it off in the next few months3. If you couldn't handle another HP on your report I would still highly recommend not putting this charge on your CC and taking out a 0% finance loan with the company.Nothing that  baby secured loan at trivial interest rates can't solve... or anyone with an auto / personal / mortgage / etc.  Consumer Finance Accounts are to be avoided wherever possible if there's equivalent paths: if it's a smart move financially fine, but FICO does penalize you somewhat for it. Utilization is temporary, don't understand the rationale to micromanage to that level honestly.  Big expenses happen and are a normal part of life, living in fear of lenders beating you with the AA stick makes little sense.  It's one thing to be maxxing out your file sure, but single tradeline utillization with a pattern of paying it off in chunks?  Not a problem certainly at least in today's market.I try to treat my CC as a debit card. I never add anything I don't have in my bank account. It is a good rule to follow but I understand not everyone can do that/not everyone wants to. But it does promote healthy spending habits, and I was trying to relay that back to OP. Plus, what happens if he puts $4k on a card with a $5k limit. It would kill his util very quickly.Then what happens if you then came in to some financial hardship a few weeks later?At least with a loan you have like 12 months to pay it off, and if you pay it off quicker; great.It just seems safer.I agree with every one of your points except the desire to run out and obtain the 0% financing through Kay's or whoever on the theory it'll improve one's FICO score.   Safer maybe, maxxing out one tradeline isn't a dealbreaker if you have additional limits, I lost 14 points on a mortgage score from it off my 660 at that time.  Non-trivial but not end of the world if not applying for anything serious.  Taking a new tradeline that FICO assuredly views as a CFA, suboptimal long term if you think you're confident in your financial stability.   The breathing room generated by the CFA I would suggest is less than you suggest, lenders expect CC's to be used as short-term float, that's what they were designed for and it's not a big deal as a result if we're talking financial equivalency. SE summed it up well in terms of tradeoffs.

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