Jewelry Financing/CC Help

[NP27]

Hi,

I need help with jewelry financing. Scores as of today. EQ 610 TU 630 EX 609. Any suggestions?

Thanks!

[Anonymous]

Do you need to buy a wedding ring or xmas gift?  Where are you planning on buying it at?

[NP27]

I need a ring! I am open to different stores except Kay and Jared

[Anonymous]

Try Helzberg Diamonds, their quality is great and pricing is better than Kay or Jared.  

[mrsjr]

Honestly, I would look at Overstock.com.  Their prices beat other retailers and their store card is easy to get approved for.  You may even be able to get the card without a HP if it pops up and says that you're pre-approved at checkout. They also offer 6 months no interest or 12 months no interest, depending on how much you spend.

[Anonymous]

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@mrsjr wrote:

Honestly, I would look at Overstock.com.  Their prices beat other retailers and their store card is easy to get approved for.  You may even be able to get the card without a HP if it pops up and says that you're pre-approved at checkout. They also offer 6 months no interest or 12 months no interest, depending on how much you spend.

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This.

[Anonymous]

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@NP27 wrote:
Any suggestions?

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Yes: if you can't afford to pay cash for jewelry (or better yet use a cashback bearing CC) then don't buy it at all.

[NP27]

Yes: if you can't afford to pay cash for jewelry (or better yet use a cashback bearing CC) then don't buy it at all.

Thank you for that great information. You know what, maybe I should just pay cash for it like I paid cash for my car and my house. I don't know what I was thinking. Stupid me.

[Anonymous]

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@NP27 wrote:
Yes: if you can't afford to pay cash for jewelry (or better yet use a cashback bearing CC) then don't buy it at all.

Thank you for that great information. You know what, maybe I should just pay cash for it like I paid cash for my car and my house. I don't know what I was thinking. Stupid me.

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If you can pay cash, why ask for financing? Use a Cash CC and PIF.

[SteveUrkel]

Sarcasm