Hi, Does anyone see any potential penalties or problems with this rather convenient financing option with Apple iPad 2 purchase. I have a good credit history but I think setting up an automatic payment to pay the balance off in next one year slowly sounds like a good option. I am a "newbie" at financing as I almost never have financed anything other than my first gaming desktop with Newegg last year, and now thinking of doing the same for ipad 2. What happens to that barclay card if I choose to return the ipad within 14 days? can I cancel it?