I currently have the Barclay Apple Rewards credit card which I received on 06/2018 with a $1,000 credit limit. I used it to finance the purchase of a $950 iPad for school. I was given 12 months to pay it off with a minimum payment of ~$87 a month. I paid it off in 2 payments ($150 in July and $800 in August).
I earned $12k when I applied for the card which is now ~$14k a year after a raise I got last week. Recently I used this card to pay $893 for my September rent because I like the idea of getting reward points for use at the Apple Store. I paid that off in 2 weeks.
My credit history goes back 1 year 8 months and I have 3 credit cards with almost 100 on time payments and 0 late payments. My Discover Secured card (received 03/2018) has a $200 limit and my Capital One Secured card (received 1/1/2017) has a limit of $550 so I have a total of $1750 in revolving credit at my disposal.
After paying off these balances, my credit score on TransUnion (currently 637) and Equifax (currently 649) rose 40 points and my FICO jumped to 653.
I want to be able to purchase a laptop for school and video editing projects. There's a student MacBook deal for the 15” laptop. It costs $2,700 and comes with headphones that I'll sell and put toward the balance. I can pay $1,000 up front and I want to finance the last $1,700 over an 18 month period, paying it off within 5 months. Based on my credit history and repayment history, I feel that this is a reasonable request. Please tell me if I’m wrong and if you can offer a better suggestion. I really appreciate it!