topic Re: Dell financing in Credit Cards

Dell financing

Anonymous — Mon, 29 Jul 2013 05:14:17 GMT

Does anyone know what criteria is looked at for Dell financing?

I ~~need~~ want to get rid of my current computer.

Re: Dell financing

azguy13 — Mon, 29 Jul 2013 05:22:41 GMT

I am not sure about the requirements for Dell but I have heard horror stories about them. Have you thought about maybe a Best Buy card with 0%? If you are planning on building the computer then it wouldnt be a great idea but if you are just buying a production laptop, it could work.

Sorry I couldn't help more

Re: Dell financing

Anonymous — Mon, 29 Jul 2013 05:27:57 GMT

I already have a BB MasterCard (HSBC/Cap1 holding).. haha

I just paid it off two weeks ago, but with Dell I would get 0% interest (I think?) vs. the 20.4% on my BB card. One of my goals is to stop paying interest on CCs, unless its an emergency.

I was looking at this:

http://www.fatwallet.com/Dell-Consumer-coupons/code-685002/

but the Dell website gives me an error/invalid message for the coupon code

Re: Dell financing

Anonymous — Mon, 29 Jul 2013 05:48:28 GMT

@azguy13 wrote:
I am not sure about the requirements for Dell but I have heard horror stories about them. Have you thought about maybe a Best Buy card with 0%? If you are planning on building the computer then it wouldnt be a great idea but if you are just buying a production laptop, it could work.

Sorry I couldn't help more

You actually did help, you reminded me that BB's 0% interest isn't introductory but rather a cardholder feature!

http://www.bestbuy.com/site/null/null/pcmcat163300050048.c?id=pcmcat163300050048

18 months 0%. . . does anybody else even do that?

Re: Dell financing

azguy13 — Mon, 29 Jul 2013 05:53:25 GMT

@Anonymous wrote:
@azguy13 wrote:
I am not sure about the requirements for Dell but I have heard horror stories about them. Have you thought about maybe a Best Buy card with 0%? If you are planning on building the computer then it wouldnt be a great idea but if you are just buying a production laptop, it could work.

Sorry I couldn't help more
You actually did help, you reminded me that BB's 0% interest isn't introductory but rather a cardholder feature!
http://www.bestbuy.com/site/null/null/pcmcat163300050048.c?id=pcmcat163300050048

18 months 0%. . . does anybody else even do that?

Hey, I inadvertantly helped, lol.

I also forgot that it is a cardholder feature vs intro period. Just remember that if it is not paid off in the 18 months or however time is 0%, then they can and will tack on the back interest. ALL the back interest.

Re: Dell financing

Anonymous — Mon, 29 Jul 2013 06:19:17 GMT

This is actually a good opportunity for me to call them and request a CLI. Its at $950, plenty of room, however I want to keep it at least under 50% utilized. I tried the "request credit limit increase" linked online, but it gives me some weird message about making sure to activate my card.

Re: Dell financing

azguy13 — Mon, 29 Jul 2013 06:27:37 GMT

It's a great opportunity. I would explain the situation to them and how you are planning on making a large purchase. You could even embelish a little bit if you want to try and get a larger CLI. Either way, good thinking ahead for wanting to keep it below 50%

Re: Dell financing

randeman — Mon, 29 Jul 2013 06:35:03 GMT

A couple of years ago, they gave me $2000 on a very thin file. At 29.99%. They gave me six months interest free. I took it, bought a lap top, paid it off in six months, bought an MP3 player, paid it off in a month. Didn't use it again and four or so months ago they sent me a letter saying that since I hadn't used my account, they were reducing my limit to $500. If I didn't use it again within a month, they said they would close the account. I didn't need the month; buh-bye, Dell!

Re: Dell financing

azguy13 — Mon, 29 Jul 2013 06:37:52 GMT

@randeman wrote:
A couple of years ago, they gave me $2000 on a very thin file. At 29.99%. They gave me six months interest free. I took it, bought a lap top, paid it off in six months, bought an MP3 player, paid it off in a month. Didn't use it again and four or so months ago they sent me a letter saying that since I hadn't used my account, they were reducing my limit to $500. If I didn't use it again within a month, they said they would close the account. I didn't need the month; buh-bye, Dell!

This is yet another horror story I have heard about Dell. Sounds like Best Buy is the way to go!

Re: Dell financing

Anonymous — Mon, 29 Jul 2013 06:39:49 GMT

Wow, and I thought Kohls was bad; they closed my account while I was overseas (8 months). Stinks because it says "closed by credit grantor" on my report(s), and I can't go into a Kohls store anymore because the cashier always ask if I have/want a Kohls card - it brings back bad memories.

Re: Dell financing

azguy13 — Mon, 29 Jul 2013 06:44:02 GMT

@Anonymous wrote:
Wow, and I thought Kohls was bad; they closed my account while I was overseas (8 months). Stinks because it says "closed by credit grantor" on my report(s), and I can't go into a Kohls store anymore because the cashier always ask if I have/want a Kohls card - it brings back bad memories.

Were you in the military or was it a business trip?

Re: Dell financing

Anonymous — Mon, 29 Jul 2013 06:46:41 GMT

military

Re: Dell financing

azguy13 — Mon, 29 Jul 2013 06:49:20 GMT

I'm not 100% sure but I think the Soldiers and Sailors Civil Relief Act may cover situations like that. I only know that because I served in the Army and took advantage of some of the legislation.

Re: Dell financing

Anonymous — Mon, 29 Jul 2013 06:56:05 GMT

I did call them, but either something was lost in the process or they just don't care. I didn't really know what else to do, heck I've never had internet access in any of the barracks I lived in.

Re: Dell financing

dude11 — Mon, 29 Jul 2013 14:13:42 GMT

This has nothing to do with credit or financing but would just like to say be careful with Best Buy in regards to buying computers. I remember not too long ago they were selling new PC's after opening them and loading their crap. Then they would seal them and sell them as new which then Geek Squad would charge a fee to have the bloatware removed.

Just watch out don't know if that is still in place.

Re: Dell financing

kevinjjc — Mon, 29 Jul 2013 15:56:02 GMT

@Anonymous wrote:
I did call them, but either something was lost in the process or they just don't care. I didn't really know what else to do, heck I've never had internet access in any of the barracks I lived in.

Try again. Use social media (Facebook, Twitter, etc.). How long ago was this? Good luck!

Re: Dell financing

Guyatthebeach — Mon, 29 Jul 2013 15:59:42 GMT

I use my Dell Financing account about every other year to buy laptops. I haven't had any problems. I just make sure the payments post on time. Trust me , they will add that accrued interest if you don't pay it off before the promo ends.

Re: Dell financing

Anonymous — Wed, 31 Jul 2013 06:45:46 GMT

Well, apparently I never activated my BestBuy card, so that's why the online CLI request wasn't working, haha. Called theme today, and they moved my limit from $950 to $1,250, but I was hoping for a $2,000 limit.

I guess I will be going computer shopping tomorrow... too bad Windows 8.1 still isn't released.

Re: Dell financing

myjourney — Wed, 31 Jul 2013 06:51:32 GMT

@Anonymous wrote:
Well, apparently I never activated my BestBuy card, so that's why the online CLI request wasn't working, haha. Called theme today, and they moved my limit from $950 to $1,250, but I was hoping for a $2,000 limit.

I guess I will be going computer shopping tomorrow... too bad Windows 8.1 still isn't released.

No way Lol You forgot to activate

Congrats on the CLI and go get that computer

Re: Dell financing

Anonymous — Fri, 02 Aug 2013 00:27:12 GMT

Well, I ended up buying a computer at Staples... using my debit card

Lenovo H520 On sale for $400 + an additonal $100 off coupon = $300. It features an Ivy Bridge i3 processor with the Intel 2500 graphics, so not too bad.

I ~~need~~ want a better monitor, and the keyboard kindof sucks. So I just might end up using my BB credit card afterall - 6 months 0% financing.

@myjourney wrote:
@Anonymous wrote:
Well, apparently I never activated my BestBuy card, so that's why the online CLI request wasn't working, haha. Called theme today, and they moved my limit from $950 to $1,250, but I was hoping for a $2,000 limit.

I guess I will be going computer shopping tomorrow... too bad Windows 8.1 still isn't released.
No way Lol You forgot to activate
Congrats on the CLI and go get that computer

I could have sworn I activated it. . . guess not.