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I got one through the Apple store when I was going to buy an ipod, with no interest. The sales person did not tell me that the offer was only good FOR THAT DAY! It went up to 29.99% when I used it a month later. They have NO customer service and I am warning you to please, NEVER do ANY business with Barclays, believe me, you will deeply regret it! I wrote a letter to Apple and went by the store on the 3rd Street Promenade in Santa Monica, CA and they couldn't care less either. The staff was rude as was Barclays. I even explained that one of my best friends died in an auto accident, so that is why I didn't use it. Tough luck, and read the fine print was the response, spoken and implied. REALLY AWFUL EXPERIENCE. If you do use them, know that you were warned, and good luck.