topic Re: Dell or Best Buy credit in Credit Cards

Dell or Best Buy credit

Anonymous — Fri, 08 Jan 2010 14:28:06 GMT

Hey, I've been reading on these forums for a while now, and have never posted.

I need a new computer, but I had a BK discharged in Jan. of 2009. Since then I have two credit cards, one with a $500 limit - $0 balance. And another with a $750 limit. Both cards have excellent payment history, but I got them in August of 2009.

WHat do you think my chances are to get approved for either Dell or Best buy credit. I am not looking to buy a top of the line PC. I'll be spending less than $800 on the new computer.

Thanks

Re: Dell or Best Buy credit

Anonymous — Fri, 08 Jan 2010 14:31:44 GMT

One more thing to add, I had re-affirmed my car loan in the BK. And I have been paying it on time as I was before the BK.

Re: Dell or Best Buy credit

cdtotten — Fri, 08 Jan 2010 14:56:40 GMT

What are your current scores? With such a thin file, I think you are going to have problems getting credit at either place.

Re: Dell or Best Buy credit

Anonymous — Fri, 08 Jan 2010 15:55:27 GMT

I don't know if you will qualify for the Dell or Best buy accounts, but I'm sure Dell will give you the higher limit, I just recently picked up Target, Walmart and Dell accouts and this is what I got from them.

Target $400

Walmart $700

Dell $3000

Re: Dell or Best Buy credit

Anonymous — Fri, 08 Jan 2010 15:58:21 GMT

I think the best move here may be to just save up for the computer rather than finance it.

Re: Dell or Best Buy credit

Anonymous — Fri, 08 Jan 2010 17:13:05 GMT

Yeah, I would usually save up, but being that my PC is un-repairable, I need a PC and I'll be paying it off as soon as I get my tax return in February. I just need to get the computer now.

Re: Dell or Best Buy credit

Woolfman — Fri, 08 Jan 2010 18:10:30 GMT

if i had to pick between the two i would say dell would be more likely to extend credit(in my experience) and another thing you can get a better deal thru the dell outlet . More bang for your buck . Getting Best buy to give you a large enough credit line to buy a computer is going to be the hard part.

Re: Dell or Best Buy credit

bakalao2k — Fri, 08 Jan 2010 18:13:27 GMT

Why don't you look into buying a PC from Dell's Outlet store?

The system listed below cost $299.00

http://outlet.us.dell.com/ARBOnlineSales/topics/global.aspx/arb/online/en/InventoryDetails?systemId=EEDBGXJK&~lt=popup&c=us&l=en&s=dfh&cs=22

Inspiron 537 (System Identifier: EEDBGXJK)

Inspiron Desktop 537 Minitower
Genuine Windows 7 Home Premium

System Price : $299.00

Operating System
Genuine Windows 7 Home Premium

Memory
4 GB DDR2 SDRAM 800MHz (2 DIMMs)

Hard Disk Drive
640 GB SATA Hard Drive (7200 RPM)

Modem
V.92/56K PCI DataFax Modem

System Color
Piano Black

Hardware Upgrade
Dell 19 in 1 Media Card Reader
125V Power Cord
USB Keyboard
Optical 2-Button Mouse

Software Upgrade
Windows Live
Microsoft Works 9.0
64BIT Operating System CD

Chassis Type
Mini Tower

Scratch & Dent
Scratch & Dent

Base
Inspiron Desktop 537 Minitower

Media Bay
16X DVD +/- RW w/dbl layer write capability

Processor
Processor: Intel Celeron Processor 450 (2.20GHz, 512K, 800FSB

Re: Dell or Best Buy credit

Imhotrodcrazy — Fri, 08 Jan 2010 18:22:04 GMT

@Anonymous wrote:
Hey, I've been reading on these forums for a while now, and have never posted.

I need a new computer, but I had a BK discharged in Jan. of 2009. Since then I have two credit cards, one with a $500 limit - $0 balance. And another with a $750 limit. Both cards have excellent payment history, but I got them in August of 2009.

WHat do you think my chances are to get approved for either Dell or Best buy credit. I am not looking to buy a top of the line PC. I'll be spending less than $800 on the new computer.

Thanks

Best Buy is not bk friendly.

Re: Dell or Best Buy credit

Anonymous — Fri, 08 Jan 2010 20:40:22 GMT

Don't buy a Celeron,

Re: Dell or Best Buy credit

bakalao2k — Sat, 09 Jan 2010 21:19:51 GMT

@Anonymous wrote:
Don't buy a Celeron,

I did think about not listing that particular machine's specs because it has a Celeron processor, but for some people it will suit their needs.

Re: Dell or Best Buy credit

jaysdad2k — Sun, 10 Jan 2010 02:00:42 GMT

This may be a TJ, but I bought a Dell laptop from the Outlet in 2000 and it was my one and only every day computer for 5 years. I saved about 20% off the retail price and it was only 1 month old. I bought it on a Wednesday and it arrived the following Monday. At that time the new ones took about 2-3 weeks.

I would highly recommend getting the Dell account and calling the Outlet and letting them go through the list of available computers. They told me that the inventory updates every day about 11 AM. I'm sure you can find one you like.

Of course this was 2000. A lot could have changed since then.

Good luck!

Re: Dell or Best Buy credit

Woolfman — Sun, 10 Jan 2010 02:23:12 GMT

@jaysdad2k wrote:
This may be a TJ, but I bought a Dell laptop from the Outlet in 2000 and it was my one and only every day computer for 5 years. I saved about 20% off the retail price and it was only 1 month old. I bought it on a Wednesday and it arrived the following Monday. At that time the new ones took about 2-3 weeks.

I would highly recommend getting the Dell account and calling the Outlet and letting them go through the list of available computers. They told me that the inventory updates every day about 11 AM. I'm sure you can find one you like.

Of course this was 2000. A lot could have changed since then.

Good luck!

Im with you there . I play alot of games . I got a desktop from the outlet that would have cost me about 1700 bucks and i got it for 900. Couldnt beat it and havent had any problems and they come with the warranty just like it was a new one. Mine also came quick . bought mine last year .

Re: Dell or Best Buy credit

haulingthescoreup — Sun, 10 Jan 2010 03:40:16 GMT

I bought a used 15.4" MacBook Pro from the online Apple Store (Refurbished link on the left of the home page.) I saved about $350 off the list price of $1700. When I took it into my local physical Apple Store for necessary hand-holding and set-up, the Genius said that it was a brand-new laptop, not an older model, and it was probably returned due to buyer's remorse.

Since Apple never does sales, I was pretty happy to find that I effectively bought one on sale at about 20% off.

Re: Dell or Best Buy credit

DI — Sun, 10 Jan 2010 03:48:23 GMT

I say get a $400 laptop from Best Buy and pay cash. Computers are just like cars. But computers depreciate before walking out the store. Probably before even paying for it. My $400 Acer I got in July 2007 is still working just fine. Even when I upgraded the OS to Vista Ultimate Edition.

Re: Dell or Best Buy credit

Anonymous — Sun, 10 Jan 2010 04:09:58 GMT

I just got 3 laptops from Dell before Christmas, and they work great, I checked Best buy and a number of other places first and Dell was cheaper for a better machine. I paid $449 each for new dual core pentium, 3gb, 250gb, 15.6 laptops.

Re: Dell or Best Buy credit

Anonymous — Sun, 10 Jan 2010 04:29:34 GMT

@Anonymous wrote:
I just got 3 laptops from Dell before Christmas, and they work great, I checked Best buy and a number of other places first and Dell was cheaper for a better machine. I paid $449 each for new dual core pentium, 3gb, 250gb, 15.6 laptops.

Like I said - and I am definitely sticking with it - don't but a Celeron. Ever!

Re: Dell or Best Buy credit

DI — Sun, 10 Jan 2010 05:24:43 GMT

@Anonymous wrote:
@Anonymous wrote:
I just got 3 laptops from Dell before Christmas, and they work great, I checked Best buy and a number of other places first and Dell was cheaper for a better machine. I paid $449 each for new dual core pentium, 3gb, 250gb, 15.6 laptops.
Like I said - and I am definitely sticking with it - don't but a Celeron. Ever!

Celeron machines definately are not good. It's either AMD or Pentium. Also, the home edition of any OS isn't good.

Message Edited by DI on 01-09-2010 11:24 PM

Re: Dell or Best Buy credit

Anonymous — Thu, 14 Jan 2010 22:37:09 GMT

Our BK was discharged in Sept of 07 and Best Buy just turned us down for a $500 laptop. Did you try one or the other yet? We really need a new computer too but I don't want to take another FICO hit by applying and being turned down at Dell too. We can pay it off when we get our tax return but I need to load last year's turbo tax onto a pc to prepare this year's return - talk about a catch 22!

Re: Dell or Best Buy credit

Anonymous — Fri, 15 Jan 2010 13:57:56 GMT

DO NOT buy thru dell..I bought a computer from them at least three years ago and because I do the minimum of twenty two dollars a month the amount NEVER goes down due to HIGH interest rate. In my opinion I have purchased three of these computer's by now!!