I applied for this card online 7 months ago and was instantly approved for $1500. I was one year into rebuilding at the time and this card was my 6th tradeline (after a 3 app spree). TU was pulled. CK TU was 668 & CK EQ 653. I was so hesitant about applying for this card because of the many confusing reviews here on CK. As it turns out, many of the reviews refer to the older version of this card, which offered no rewards and the remainder of the reviews are from people who really don't understand how this card works: The BVAR card offers 3 points for every dollar on Apple purchases, 2 points for Restaurants and 1 point for all other purchases. You can redeem at every $2500 spent for a $25 iTunes, or Apple Gift Card. New card holders have 30 days to take advantage of the Apple Financing, which offers a 6, 12 or 18 month interest free promo period, but the promo period is determined by the amount spent. If your purchase is under $498, than you're offered 6 months, and if your purchase is between $499 - $998, the finance period is 12 months and if you spend $999+ you're offered 18 months. This special financing only applies to Apple products purchased directly from the Apple online store, or in their retail stores. If you finance an Apple purchase, then add non-Apple purchases ie; restaurants & groceries etc., these non-Apple purchases are not included in the special financing. Additionally, all payments made are first applied to the Non-Apple purchases. So, when making a payment, pay enough to cover both the non-Apple purchase, plus the required finance payment. If your Apple financed purchase has not been paid in full before the end of the promo period, you are then charged interest retroactively, from the initial date of purchase. This is common practice in financing with deferred interest. ADDITIONAL FINANCE OFFERS: after 6 months of using this card, I was extended another "Special Finance" offer and it was the same as the initial offer, 6, 12, or 18 months. AUTO CLI: I was given and auto cli of $1300, after 6 months of moderate usage. My current CL is $2800. BONUS REWARDS: I received an email 5 days ago, indicating that I had been chosen for a special offer, which expands the 2 points category to include: 2 Apple Rewards Points for every dollar spent at supermarkets, movie theaters and for utility payments, from January 1-March 2016. YES the interest rate is outrageous, but you do have the option of paying your bill in full each month, or simply using the card to finance Apple Purchases. I've never paid 1 cent in interest and use other cards with 0 Intro APR, or a much lower interest rates, if I must carry a balance. This is also a great card to use as an additional tradeline, or to lower your overall credit utilization. I've used Customer Service twice and both representatives were knowledgeable, friendly and extremely professional. I've added two authorized users and this tradeline reports on their credit file. I've also added the card to both Apple Pay & Android Pay, with no issues. I have had nothing but positive experiences with this card and with Barclaycard thus far, so I highly recommend it!
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Got this card two years ago when paying full price for an iphone, originally had a 2k credit line. Put other expenses on it and realized the APR for non-Apple items was over 27%APR!!!!! Been working on paying this card off ASAP, and they keep raising my credit limit. Now my credit limit is nearly 7k without any requests. Would use card a lot more if the APR was reasonable. I have a 670 credit score currently.
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