Zero % financing false advert

To whom it should concern,


I am emailing today because I have tried to purchase a new iMac using my Apple credit card through Goldman Sachs.


The computer that I want to buy cost more than the credit limit on my Apple Card, which is $2000.


I recently got caught up in a scandal with synchrony bank and Harbor freight that relates to the same issue with Goldman and the Apple Card.

0% financing is offered, according to two Goldman Sachs representative if what you’re purchasing from Apple is within your credit limit on the card.


I contacted Goldman Sachs about making a payment for the $700 that buying the computer would put me over my credit limit. That’s not allowed.


I then contacted the Apple Store at Lenox Square, Mall in Atlanta Georgia and spoke with the sales representative who told me the opposite. The sales representative said that I can come into the store and pay a down payment for the amount that goes over my credit limit and then the rest would be put in on my Apple Card for the 0% financing. Please keep in mind. This is the same scenario that happened to me at Harbor freight that took me three days to get corrected, and a complete threat to expose their false advertisement, through the Washington Post, NPR, and any other Outlet that I could get to listen to me.


I really don’t know why outlets have gone with this sketchy form of financing and switch and bait. I’ve already been warned by the Goldman representatives that even though the Apple Store representative told me I can make the down payment and then put it through on the credit card, that a lot of accounts had been messed up, and people had been very upset because they were getting charged interest because it wasn’t within the rules.


So basically, my conclusion is that Goldman Sachs is controlling whether or not I can buy another iMac. This would be my third one. By not allowing a payment on the credit card or as a down payment in store and still take the 0% financing. The honest truth is I could just pay cash for the $2700 computer, but why should I have to do that and take that money out of my savings account instead of being able to get 0% financing that’s being offered?


Looking into alternatives now for the first time in 30 years.


Sincerely,

Chase Todd

Posted on Feb 22, 2025 12:48 PM

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Posted on Feb 23, 2025 6:35 AM

So, here’s the way it works. Go to the Apple Store. Pick out the item. This is a split payment not a down payment. Pay part with cash, Apple Gift cards or another credit card. The remainder pay with your Apple Card, remember to stay under your available credit.


Have you ever done an Apple Card installment purchase before?


You must tell the Apple Specialist you will be using Apple Card Monthly Installment for the purchase. Tell them before you start the transaction and again before you hand them your Apple Card. You need to make sure it’s an installment plan. Make sure the receipt reflects that it’s an installment.


Why would I care about Synchrony and Harbor Freight? That’s got nothing to do with Apple.


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Question marked as Top-ranking reply

Feb 23, 2025 6:35 AM in response to falseadvertising1

So, here’s the way it works. Go to the Apple Store. Pick out the item. This is a split payment not a down payment. Pay part with cash, Apple Gift cards or another credit card. The remainder pay with your Apple Card, remember to stay under your available credit.


Have you ever done an Apple Card installment purchase before?


You must tell the Apple Specialist you will be using Apple Card Monthly Installment for the purchase. Tell them before you start the transaction and again before you hand them your Apple Card. You need to make sure it’s an installment plan. Make sure the receipt reflects that it’s an installment.


Why would I care about Synchrony and Harbor Freight? That’s got nothing to do with Apple.


Feb 24, 2025 3:30 PM in response to Jeff Donald

Yes, that's what has already been said. Maybe if you cared about the HF comment then you might have cared to read I already stated that Goldman Sachs issues the credit card and they control how it is used. Just like Synchrony. Goldman Sachs Apple Division specifically stated the opposite of what you are stating...and they control the credit card not the Apple Specialist.

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