FNB Connect MacBook stupidity

[Kryp2o]

I attempted to sign up for a MacBook Pro 14 M2 Pro finance with FNB as their monthly instalment was reasonable and the interest over 24 months only worked out to be a little more more than what buying it outright would cost therefore more justifiable than spending R48 000 in one go.

On the app my order was approved, a credit check done and my delivery details as well as debit order date set. I then get a cancellation notification a day later and when I phone them and query this they state my validation failed. When I ask what that means they essentially say they can’t see my salary being deposited into the account so it cannot be validated.

I bank with Discovery as they are also my insurance provider so the benefits are worth it. But it seems outrageous that FNB would require me to change where my salary is deposited just to get the device. Not to mention only stating this AFTER approving my order and running a credit check to my name

 

[Supercarfan]

FWIW, you can buy it for pretty much the same price at the iStore and chose the FNB Credit card payment plan that where you get a promotional rate of prime I think.

FNB connect R2299 x 24 = R55 167
iStore + FNB CC R1834 x 30 = R55 020

 

[s0lar]

I don’t want to be that guy. But you should not be buying this on credit unless you have to have a Mac for work or the like. I have bought many a Mac over the years. I never upgrade unless I can pay for the new one in cash.

And remember once you go Mac you never go back. So be prepared to be buying a new one in 5 or 6 years.

/in before the anti-Mac peasants.

 

[Kryp2o]

FWIW, you can buy it for pretty much the same price at the iStore and chose the FNB Credit card payment plan that where you get a promotional rate of prime I think.

FNB connect R2299 x 24 = R55 167
iStore + FNB CC R1834 x 30 = R55 020

Yeah only issue with that is needing an fnb credit card

 

[Snyper564]

I don’t want to be that guy. But you should not be buying this on credit unless you have to have a Mac for work or the like. I have bought many a Mac over the years. I never upgrade unless I can pay for the new one in cash.

And remember once you go Mac you never go back. So be prepared to be buying a new one in 5 or 6 years.

/in before the anti-Mac peasants.

this all these small debt items add up.

cash is king...

 

[Kryp2o]

this all these small debt items add up.

cash is king...

True I suppose. Also not sure if you’ve seen but istore discretely increased the price of the M1 Pro by 15 000. February it was 29999 then moved to the “pre-owned” site for 34999 and now back on the new site for 44999 all while the “pre-owned” stock has disappeared

 

[Pineapple Smurf]

@FNBtyty @FNB please sort this out

 

[Kung Fu Porkchop]

I don’t want to be that guy. But you should not be buying this on credit unless you have to have a Mac for work or the like. I have bought many a Mac over the years. I never upgrade unless I can pay for the new one in cash.

And remember once you go Mac you never go back. So be prepared to be buying a new one in 5 or 6 years.

/in before the anti-Mac peasants.

 

[s0lar]

First peasant has arrived..

 

[SauRoNZA]

FWIW, you can buy it for pretty much the same price at the iStore and chose the FNB Credit card payment plan that where you get a promotional rate of prime I think.

FNB connect R2299 x 24 = R55 167
iStore + FNB CC R1834 x 30 = R55 020

And you would get 15% back in eBucks so a better deal all round.

 

[Kryp2o]

And you would get 15% back in eBucks so a better deal all round.

FWIW, you can buy it for pretty much the same price at the iStore and chose the FNB Credit card payment plan that where you get a promotional rate of prime I think.

FNB connect R2299 x 24 = R55 167
iStore + FNB CC R1834 x 30 = R55 020

So I tried to apply for a credit card and they declined and gave me the same reason. Want my salary to be deposited into FNB

 

[SauRoNZA]

So I tried to apply for a credit card and they declined and gave me the same reason. Want my salary to be deposited into FNB

Very odd.

But there’s always a minimal balance on all bank accounts so makes some sense.

 

[Kryp2o]

Very odd.

But there’s always a minimal balance on all bank accounts so makes some sense.

I also applied for finance with macshack and they have approved me for the M2 Pro MBP 14. Anyone have experience with them before I sign the final amount and agreement. Monthly installments with credit insurance and various fees comes to 2500x24

 

[capd]

I don’t want to be that guy. But you should not be buying this on credit unless you have to have a Mac for work or the like. I have bought many a Mac over the years. I never upgrade unless I can pay for the new one in cash.

And remember once you go Mac you never go back. So be prepared to be buying a new one in 5 or 6 years.

/in before the anti-Mac peasants.

 

[Kryp2o]

View attachment 1557191

Sadly don't have a windows laptop, just a desktop, hence the want/need for a portable device

 

[neoprema]

My 2c - they will also penalize you if you move.

I had an FNB device paying off a few years ago, and decided i wanted to move to Nedbank. When I spoke to my banker they said once my salary stops getting paid into the FNB account I don't qualify for the FNB device anymore and will need to settle the entire amount.

 

[RedhotNeo]

You could just eft the min amount monthly to your fnb account on the 26th and move it back to discovery the next day.,.. that counts as a deposit... depositing the required amount stands as a salary to fnb...

 

[lkpat]

True I suppose. Also not sure if you’ve seen but istore discretely increased the price of the M1 Pro by 15 000. February it was 29999 then moved to the “pre-owned” site for 34999 and now back on the new site for 44999 all while the “pre-owned” stock has disappeared

And people wonder why I refuse to support them.

 

[borro]

 

[Dolby]

I don’t want to be that guy. But you should not be buying this on credit unless you have to have a Mac for work or the like. I have bought many a Mac over the years. I never upgrade unless I can pay for the new one in cash.

I haven't worked out the figures - but are you saying it's better financially to spend R48,000 in one go, than R50,000 spread over a term?