What are the implications of signing up for financing with retailers? For example, buying a $2000 Dell through the company website and receiving an offer such as 12 months 0% APR. Or furniture stores or anything like that.
I am NOT referring to simply signing up for retail credit cards to save xx% at the time of purchase. I'm talking about financing a major purchase through the retail at the time of the purchase.
And obviously I would not be buying something I could not afford, every monthly payment would be made and the balance would be paid off before the end of the promotional term.
How would I know if what I am being offered is a CFL or not?
Also, is billmelater a good or bad program, according to FICO?
Does BillMeLater do a hard pull every time you use it?
cheddar wrote:As far as BillMeLater, I don't think it's any different than any other revolving account. Is that the one issued by CIT?
MidnightVoice wrote:Does BillMeLater do a hard pull every time you use it?
I don't know - that is wht I asked
MidnightVoice wrote:Does BillMeLater do a hard pull every time you use it?No way! Does it really?WTH?
I have a dispute about an auto-charge on my Chase Visa account. I don't use the card, and was unaware of the charge until it became delinquent for 4 months. After I talked with them, they agreed to "re-age" the account immediately and send me a letter verifying this. I also paid it off even though I am disputing it. Will this repair the damage to my credit score? If so, how long will it take before it affects my credit score? My credit is otherwise very good. Thank you in advance for your help.