Dell Financing

[Creditaddict]

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@LS2982 wrote:

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@logan_720 wrote:
I know, I have an Amazon card, but are you saying is that I should just apply for a BML account instead of a Dell account, so that I can use BML letter down the road?

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BML is nice but if you have Amazon why not use that?

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I Love the Bill Me Later, the CL will continue to rise and move as they trust you more and as your credit gets better... they almost ALWAYS offer at least 3 months 0% but I have not seen many options less then 6 months 0%.

Amazon is good if your CL is high enough but they don't always have the special APR in place, you would have to look into that.

[logan_720]

I guess I could always use my Amazon card, after all they did just give me a CLI . I feel like such an appbar. I want to app for everything haha.

[FrugalRican]

What did you fry on that laptop?

[logan_720]

There's an issue with the fan that is causing some sort of scraping noise, it gets to the point where I can actually stop the fan buy applying enough pressure to the upper left quadrant of the laptop. I still need to get in there myself and see if anything is actually loose. I'm just preparing for the worse, as it is a 2 and a half year old laptop.

[FrugalRican]

My laptop was 4 years old and had a hard drive issue. I scrapped it for a new desktop and then found out it was just a question of replacing my hard drive on the laptop, which at most would have cost me 60 bucks and a few hours of my time.

You sound like you know what you're doing, so I trust your judgment on what's going on

[logan_720]

And now from what I'm seeing on Amazon, the same computer I was looking at on Dell.com is priced over $100 higher in Amazon

[FrugalRican]

Have you checked Newegg?

I know they're a lot better about desktops, not so sure about laptops, but it's worth a try. That or Tigerdirect.

[Repo-ed]

DGF app'd with dell and was given 3k to start with.  She cancelled her account 1.5 months ago, and I told her to re-instate it, so they gave her an auto-CLI to 5k.  We've never put more than $1500 on it PIF'd immeidately.  She's going to keep them around.  See just how far they will grow.

[TNTransplant]

I have a Dell card, and I like it.  I only purchase things when I get offers (which happens frequently) for 0% financing.  

I bought a laptop last year with 0% financing for 18 months (had an initial credit line of $2000), and after 3-4 months of paying on it they raised my credit limit to $4000.  

That was a nice surprise!

[logan_720]

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@TNTransplant wrote:

I have a Dell card, and I like it.  I only purchase things when I get offers (which happens frequently) for 0% financing.  

I bought a laptop last year with 0% financing for 18 months (had an initial credit line of $2000), and after 3-4 months of paying on it they raised my credit limit to $4000.  

That was a nice surprise!

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What did your credit profile look like at the time? I.e. inquiries