Hi. I'm a 21 year's old. I have no credit as of right now and no one is willing to give me a credit card so I can attempt to build it(not even my banks, I've tried). I wanted to buy an iMac(please don't give me any crap on buying an Apple, I don't care what you think about it) and I noticed that Apple has financing for their products. My question is, has anyone used Apple financing? What's it like? Will it actually build a little bit of credit for me? They have 6 month and 12 month financing at 22.99% variable rate. So, if I bought a $1,200 iMac, how much would I be paying in total? I'm terrible at math, so please, be nice.