Context: iMac user for over 5 years and MacBook pro user for over 15. It has been 15 years I don't own neither use Microsoft.
I wanted to buy Surface Studio but I was super interested in getting it through Surface Plus for Business since I am a sole proprietor. Despite I have the money to pay for the device upfront the idea of upgrading was super appealing to me
I am 762 in Credit Karma and have 2 credit cards - reputable and hard to get ones.
I applied for both Surface Plus for Business and the regular one and on both cases I was denied. I totally don't understand it since I have very good credit. I got an email from Klarna saying I was denied, but without no more explanations. They encouraged me to talk to Microsoft, which I did, and them MS told me to talk to Klarna ( thanks for sending me from one place to another).
I decided to ask Klarna if I could pay for the device entirely ( since again, I have the money) but just having the upgrading option available. No, they said.
And now I am in the situation of: I want the device so badly, but honestly I was so turned off by the responses both from MS and the financial company. At the end of the day MS is missing the opportunity of having somebody getting their expensive device.
I am so doubtful now - is this how MS going to react when I have a problem with the device? Why nobody offer me an explanation about why I was denied? Why nobody accepted my offer go paying upfront for the device but just having the upgrading option available?
What I would like to happen:
Somebody from MS or the financial company accepting my deal: getting the entire money of the device but just letting me upgrade. That's it! And also an extended explanation about why I was denied. Because again, I have credit cards, luxury car loan, a business, and fantastic credit
Thank you all