Apple Pay Now Lets You Pay Later With Synchrony [Updated x2]

Perfect service for apple users, users with no self control, buying outside their budget.

That comment didn’t take long.

I can’t wait to see the posts “if you can’t afford it, you shouldn’t get it blah blah blah”

Perfect service for apple users, users with no self control, buying outside their budget.

You still have to pay it off next month, unless you think doing the minimum payment is ok. If you are paying it off next month, why not just wait 1 month to buy whatever.

But in that case, if it is needed in a month, would rather still pay a month after that anyways. And some payment card offers split it in 3-months or 6-months or sometimes even 24 months all at 0% interest.

And also, time sensitive deals, got a clear example: this December got an iPad.

It was at $1099 down from $1299. There was a fresh open box around that brought it to $1050, Apple Care still valid for purchase and all.
Pencil Pro it was at $100 down from $130
Same with Magic Keyboard, from $350 down to I forget, $320 I believe.

If I opened a credit card with them it would further add 20% discount on top (quite crazy).

Plus a trade-in of $485 of a previous iPad M1 I had, not that amazing but convenient.

A lot of those deals do come back not long after, by New Year’s Eve likely, but rarely all of the items at the same time. Trade-In loses value over time and the 20% discount was definitely a one time one purchase only offer up until December 24th.

The main drawback, economically, is that it’s inflationary… since it makes it easier to buy products, people are buying more and likely willing to pay more than usual.

Perfect service for apple users, users with no self control, buying outside their budget.

Credit is king.