topic Re: Ugh! Need computer, which card to use? Or new one? in Credit Cards

Ugh! Need computer, which card to use? Or new one?

pizza1 — Mon, 12 Jan 2015 03:16:14 GMT

My 15 yro Dell desktop bit the dust. I want a Mac bad, and I know that Barclays has the Apple financing visa, which would be awesome for me, since I've recently got a lot of new expenses because moving to an apt. The 0% Apple financing for a year would be awesome, and then pay it off before the promotional period ends, then transfer my limit to my Barclays rewards MasterCard??

I also have my Navy visa, and Cap 1 QS, all Three major cards are at a $0 bal right now. Thoughts on how to approach this? I'd have to leave the garden for The apple visa

Re: Ugh! Need computer, which card to use? Or new one?

Anonymous — Mon, 12 Jan 2015 03:19:16 GMT

@pizza1 wrote:
My 15 yro Dell desktop bit the dust. I want a Mac bad, and I know that Barclays has the Apple financing visa, which would be awesome for me, since I've recently got a lot of new expenses because moving to an apt. The 0% Apple financing for a year would be awesome, and then pay it off before the promotional period ends, then transfer my limit to my Barclays rewards MasterCard??

I also have my Navy visa, and Cap 1 QS, all Three major cards are at a $0 bal right now. Thoughts on how to approach this? I'd have to leave the garden for The apple visa

You're in the garden, right?

Use your Navy VISA and pay it off over the next few months.

Re: Ugh! Need computer, which card to use? Or new one?

pizza1 — Mon, 12 Jan 2015 03:35:58 GMT

Yes, in the garden dang it! thank you for reminding me again, lol. I could use navy since its my highest limit.

Re: Ugh! Need computer, which card to use? Or new one?

Anonymous — Mon, 12 Jan 2015 03:40:52 GMT

Does your Navy Visa have 0% Apr left? It might be a good idea to go for something like the city double cash or discover it for the 0% Apr over 12+ months. If the garden is going to cost you hundreds in interest, I'm all for coming out of it. If you can get a free loan via a current card, do it and ask for a sp CLI once it's paid off.

Re: Ugh! Need computer, which card to use? Or new one?

Anonymous — Mon, 12 Jan 2015 03:42:16 GMT

@Anonymous wrote:
Does your Navy Visa have 0% Apr left? It might be a good idea to go for something like the city double cash or discover it for the 0% Apr over 12+ months. If the garden is going to cost you hundreds in interest, I'm all for coming out of it. If you can get a free loan via a current card, do it and ask for a sp CLI once it's paid off.

Those two may not be options for our fine friend yet, BK7

Re: Ugh! Need computer, which card to use? Or new one?

elim — Mon, 12 Jan 2015 03:44:06 GMT

wow, your new comp is going to scream compared to that old dell.

congrats on the upgrade!

consider a lappy?

Re: Ugh! Need computer, which card to use? Or new one?

pizza1 — Mon, 12 Jan 2015 03:53:34 GMT

@happy... I wish I could have a different card (heck, I'm lucky I have what I have now). I burned Citi, Chase in my Bk7 in 2013. I'm blacklisted from them for many years to come. Amex is also not available to me for several years, and neither is US bank, BOFA, and pretty much everyone else lol. I've never had Discover before but I'm too recent out of bk. I've applied with them and denied twice. So I'm very limited right now on a major card

@elim.... I have considered a laptop! I've never had one before. Do you think they are more versatile? And can I still use a printer with a laptop?? I'm so dumb when it comes to things like this, lol!

Re: Ugh! Need computer, which card to use? Or new one?

gdale6 — Mon, 12 Jan 2015 03:59:00 GMT

@pizza1 wrote:
@Anonymous... I wish I could have a different card (heck, I'm lucky I have what I have now). I burned Citi, Chase in my Bk7 in 2013. I'm blacklisted from them for many years to come. Amex is also not available to me for several years, and neither is US bank, BOFA, and pretty much everyone else lol. I've never had Discover before but I'm too recent out of bk. I've applied with them and denied twice. So I'm very limited right now on a major card

@elim.... I have considered a laptop! I've never had one before. Do you think they are more versatile? And can I still use a printer with a laptop?? I'm so dumb when it comes to things like this, lol!

Sure you can use a printer with a laptop, I have mutli laptops and a single printer, dont even need cables as its all wireless, if printer is USB can always stick the cable in the USB ports.

Re: Ugh! Need computer, which card to use? Or new one?

DiabolicallyRandom — Mon, 12 Jan 2015 04:11:11 GMT

If you opt not to leave the gardern for Apple card, you could just purchase on your Barclay rewards card and transfer the balance over to navy with their promotional 2.9%.

Re: Ugh! Need computer, which card to use? Or new one?

Anonymous — Mon, 12 Jan 2015 04:16:29 GMT

@DiabolicallyRandom wrote:
If you opt not to leave the gardern for Apple card, you could just purchase on your Barclay rewards card and transfer the balance over to navy with their promotional 2.9%.

Great idea!

2% rewards if you buy at a "grocery" store or at Sam's.

Re: Ugh! Need computer, which card to use? Or new one?

NRB525 — Mon, 12 Jan 2015 04:17:14 GMT

@gdale6 wrote:
@pizza1 wrote:
@Anonymous... I wish I could have a different card (heck, I'm lucky I have what I have now). I burned Citi, Chase in my Bk7 in 2013. I'm blacklisted from them for many years to come. Amex is also not available to me for several years, and neither is US bank, BOFA, and pretty much everyone else lol. I've never had Discover before but I'm too recent out of bk. I've applied with them and denied twice. So I'm very limited right now on a major card

@elim.... I have considered a laptop! I've never had one before. Do you think they are more versatile? And can I still use a printer with a laptop?? I'm so dumb when it comes to things like this, lol!
Sure you can use a printer with a laptop, I have mutli laptops and a single printer, dont even need cables as its all wireless, if printer is USB can always stick the cable in the USB ports.

If you are most familiar with a desktop, you tend to give up features when going to a laptop.

For example, a standard key board (although Steve Jobs thinks keyboards are for losers, so I'm a loser)

A large monitor. You spend all your time looking at the monitor, so my preference is to make sure that is perfect. I have a 27" UltraSharp Dell. It cost $750 discounted but it is the best mix of large screen space and large screen space.

Adding hard drives, if that is your preference/liklihood. Having your last computer for 15 years means, you may want to consider the long term stability of a desktop/tower PC.

Lastly, the desktop PC is set up on your desk. A laptop has portability features, it is true, but just pressing one button to start the whole mess up is nice.

And the large monitor, did I mention the large monitor?

Re: Ugh! Need computer, which card to use? Or new one?

pizza1 — Mon, 12 Jan 2015 04:17:58 GMT

@diabolically.... Mmmmm, I didn't think of that!!! That is an idea for sure! But won't Barclays get mad that I used the card then turned around and have navy pay them? I've never done a balance transfer in my life ever. How long does it take usually for the transaction to happen?? 2.9% isn't bad, I'd like 0%, but beggars can't be choosers!! Thank you!

Re: Ugh! Need computer, which card to use? Or new one?

Anonymous — Mon, 12 Jan 2015 04:18:50 GMT

HDMI + Large LED = Monitor problem solved.

Re: Ugh! Need computer, which card to use? Or new one?

Anonymous — Mon, 12 Jan 2015 04:19:36 GMT

Barclays doesn't care so long as they get paid.

Re: Ugh! Need computer, which card to use? Or new one?

DiabolicallyRandom — Mon, 12 Jan 2015 04:20:49 GMT

I dont think it would make much difference to them. They are getting paid. The best part with the navy balance transfer offer is there is no transfer fee, the 2.9% will be cheaper than if there were a fee for a 0% card.

That being said I have never done a transfer either lol. But I am thinking about it just for the fun of it!

Re: Ugh! Need computer, which card to use? Or new one?

pizza1 — Mon, 12 Jan 2015 04:24:56 GMT

Now if I can just find a "grocery store" that sells Mac computers, I'll get 2 pts per $ for that purchase! And great idea on the balance transfer thing to navy! This is why I love the forums!! People come in with different idea and bounce them off everyone ! That is definitely something I can do and still stay in the garden! Plus my Barclays card has a $2800 cl enough for the purchase. Mmmm

Re: Ugh! Need computer, which card to use? Or new one?

NRB525 — Mon, 12 Jan 2015 04:26:26 GMT

@pizza1 wrote:
@diabolically.... Mmmmm, I didn't think of that!!! That is an idea for sure! But won't Barclays get mad that I used the card then turned around and have navy pay them? I've never done a balance transfer in my life ever. How long does it take usually for the transaction to happen?? 2.9% isn't bad, I'd like 0%, but beggars can't be choosers!! Thank you!

Now would be a good time to start

BT is easy. With no BT Fee and 2.9%, it's a no brainer to do it.

Re: Ugh! Need computer, which card to use? Or new one?

Turbobuick — Mon, 12 Jan 2015 04:26:45 GMT

Amazon and Paypal offer interest free time payments.

My monitor is JVC 37" 1080p 5ms refresh rate $250. I refuse to believe I need glasses.

Re: Ugh! Need computer, which card to use? Or new one?

Anonymous — Mon, 12 Jan 2015 04:26:51 GMT

Does it have to be an apple?

Re: Ugh! Need computer, which card to use? Or new one?

DiabolicallyRandom — Mon, 12 Jan 2015 04:29:41 GMT

I know. I just need to obtain a balance for it.