topic Re: amazon card OR cc ??? in Credit Cards

amazon card OR cc ???

bk510 — Tue, 25 Jun 2013 02:12:21 GMT

i need an advice an amazon purchase....

i recently got approve for amazon store card at 700...

i would like to buy new mac mini(base model at 574 at amazon right now).
taking advantage of their 12 months financing offer.

i guess the q's i have is....will this be a smooth transaction, as i have never purchased anything this much with amaon.(especially puttin it on amazon store card.

i am also thinking bout just go ahead and use my regular CC, but apr is at 24. yep its cap1 card.

any1 purchased a mac from amazon with no issues???

any advice would be appreciated

Re: Amazon card OR cc ???

imovinup — Tue, 25 Jun 2013 02:20:26 GMT

I have a Amazon store card and I used it to purchase a ipad with 6 months no interest financing. Its a good ideal if you pay it off within a couple of months you wont pay any interest (avoiding cap1 24% ). So far no problems. I plan on paid my balance in full in 3 months. If you don't pay it off in time I think you will get accrued interest plus the balance. It will separate the transaction as a deferred apr in a separate column so you wont have to sweat wondering if they know.

Re: Amazon card OR cc ???

bk510 — Tue, 25 Jun 2013 02:27:34 GMT

@imo,

what was your term? 6 or 12 months...

also how much is your minimim per month?

how much was your ipad?

thanks

Re: Amazon card OR cc ???

flan — Tue, 25 Jun 2013 02:47:07 GMT

The thing to be careful of is that the interest on the store card is only defered. So if you don't pay it off in the term, you get charged the interest you avoided paying. So you need to figure the minimum payment as purchase price divided by the interest free term; what ge reports will be less than that amount. I'd plan on paying it back in a month or two less than the interest free period; four or five months for six months, 10 or 11 for a year. And don't use the card for other purchases while you're carrying the balance. One of the common complaints about the card is how GE handles mixed use and payments.

Re: Amazon card OR cc ???

imovinup — Tue, 25 Jun 2013 02:57:06 GMT

6 months term , $25 minium payment and the ipad mini was $504

Re: Amazon card OR cc ???

boomhower — Tue, 25 Jun 2013 05:01:01 GMT

Call credit solutions and ask for $2k. If you don't get that you should at least double your current limit. It'll help on the utilixation. Just be sure who you purchase the computer from and you'll be fine.

Re: Amazon card OR cc ???

bk510 — Wed, 26 Jun 2013 02:20:55 GMT

@Boom,

hey boom, i just got tha card less than a month ago, shoot more like 3 weeks ago.

Isnt is too early for asking cli or theres nothing to lose on my end for asking for cli?

Re: Amazon card OR cc ???

bk510 — Wed, 26 Jun 2013 02:27:42 GMT

@boom,

just called and asked for 2k, like you suggested but no go.....

account not eligible, blah blah blah.....will get a letter in 10 days.

thansk Boom

Re: Amazon card OR cc ???

asphaltcowboy — Wed, 26 Jun 2013 02:31:10 GMT

@bk510 wrote:
@Anonymous,

hey boom, i just got tha card less than a month ago, shoot more like 3 weeks ago.

Isnt is too early for asking cli or theres nothing to lose on my end for asking for cli?

You can call, there is another post from today about just getting approved for a Lowe's card today,

that is also GE, they gave them 900 called and asked, bumped to 2500, probably could of got more,

just shoot them a high number, all they can do is say no and counter offer, or just say no!!

And it's the best time to call, after hours!! Good luck

Edit: Sorry didn't see your post while I was replying, try again 4 months

Re: amazon card OR cc ???

Anonymous — Wed, 26 Jun 2013 02:31:52 GMT

How long have you had the cc?

Re: Amazon card OR cc ???

bk510 — Wed, 26 Jun 2013 03:45:26 GMT

@cowboy,

thanks cowboy,

Re: amazon card OR cc ???

bk510 — Wed, 26 Jun 2013 03:47:25 GMT

@lexie,

3 weeks, lol

i wanna buy mac mini, and i got approved for 700, if i get it on amazon card, which i plan to do but,

was also wondering how that would affect my credit score, since it will b close to being maxed out.