topic Re: Dell Preferred Account - Inquiry on Which Credit Report? in Credit Card Applications

Dell Preferred Account - Inquiry on Which Credit Report?

kal9988 — Mon, 08 Dec 2014 01:05:19 GMT

Hi - If I apply for a Dell Preferred Account, does anyone know on which credit report the inquiry will show up? Thanks!

Re: Dell Preferred Account - Inquiry on Which Credit Report?

Ron1 — Mon, 08 Dec 2014 01:12:28 GMT

They pulled EXP.

Ron.

Re: Dell Preferred Account - Inquiry on Which Credit Report?

CreditCardDiva — Mon, 02 Mar 2015 22:53:52 GMT

They pulled Experian for me. But a word of advice: Don't apply unless you're ready to purchase soon. They'll close your account with a quickness if you don't use it. I don't think mine was open for even six months, and they closed it.

Re: Dell Preferred Account - Inquiry on Which Credit Report?

Anonymous — Tue, 03 Mar 2015 00:55:32 GMT

@CreditCardDiva wrote:
They pulled Experian for me. But a word of advice: Don't apply unless you're ready to purchase soon. They'll close your account with a quickness if you don't use it. I don't think mine was open for even six months, and they closed it.

Good to know.. I didn't know that.

Re: Dell Preferred Account - Inquiry on Which Credit Report?

Anonymous — Tue, 03 Mar 2015 01:38:22 GMT

@CreditCardDiva wrote:
They pulled Experian for me. But a word of advice: Don't apply unless you're ready to purchase soon. They'll close your account with a quickness if you don't use it. I don't think mine was open for even six months, and they closed it.

Not necesarily. I haven't used mine since 2008 and it's still listed as open. I asked about a CLI and they said they don't do those anymore and suggested that I combine with another card if I needed to.

It was kind of an odd chat.

Re: Dell Preferred Account - Inquiry on Which Credit Report?

Anonymous — Tue, 03 Mar 2015 01:40:05 GMT

They pulled Experian for me

Re: Dell Preferred Account - Inquiry on Which Credit Report?

Anonymous — Tue, 03 Mar 2015 02:28:08 GMT

They closed my $2500 unused account inside of 2 month due to non use.

Re: Dell Preferred Account - Inquiry on Which Credit Report?

aav — Tue, 03 Mar 2015 03:34:41 GMT

Not true for me either. I've had dell for a very long time.. 12 or 13 years maybe... I don't use it very often but they like when I do 'cause we make some nice purchases. They send some really cute personalized advertisements too.

Re: Dell Preferred Account - Inquiry on Which Credit Report?

CreditCardDiva — Tue, 03 Mar 2015 03:50:55 GMT

@Anonymous wrote:
They closed my $2500 unused account inside of 2 month due to non use.

Exactly...I never used mine, and it's not unusual for them to close your account, if you don't use it shortly after you open it. I'm not talking about using it once, and not using it again for awhile.

Re: Dell Preferred Account - Inquiry on Which Credit Report?

Anonymous — Tue, 03 Mar 2015 04:27:54 GMT

I've had 2k since 2009. Used once in 2009 to buy a $1600 computer. Haven't used since and still active. However, does anyone know if I can get a CLI on this type of account? I want to get a more expensive newer computer. I could pay for it but why not get 0% financing? But I need a cli.

Re: Dell Preferred Account - Inquiry on Which Credit Report?

Anonymous — Thu, 05 Mar 2015 01:22:41 GMT

@Anonymous wrote:
I've had 2k since 2009. Used once in 2009 to buy a $1600 computer. Haven't used since and still active. However, does anyone know if I can get a CLI on this type of account? I want to get a more expensive newer computer. I could pay for it but why not get 0% financing? But I need a cli.

When I called them a couple of weeks ago they said they don't do CLI on these accounts "anymore". It sounded like they are phasing them out or at least aren't relying on them.

Give them a call and update this, I'm curious.