We close on a house this week. After the keys are in our hand and the loan is funded we are thinking of going to RC Willey for furniture and appliances. I heard they have up to 18mos interest free.
Has anyone had any experience with them? Data points?
Mod note: I've updated your subject to reflect your approval; feel free to change/edit if you would like. --UB
It is deferred-interest. The plan is to get the 18 months interest-free but pay it off in less than 12 months to save some cash reserves. I have Care Credit so I am quite familiar with the deferred-interest game.
Does anybody have a RC Willey card and any data points they can share? Customer service told me they usually pull Equifax but sometimes Experian.
Had an RCW account, opened it in 02 after a home purchase, pulled EX, had BK7 on file from 96, multi IIBs, rest of file at time was clean with heavy utilization reporting.
Not sure about RC Willey's but I went to Ashley. Not sure if they are available in your area but depending on what you spend they were having up to 5 years deferred interest. The furniture quality seems to be about the same. Just a suggestion.
Also doesn't hurt if you are buying a lot (I furnished a full house) I asked the best deal they could do. They offered me 50% off my the full price and 1 year deferred interest and that is what I did. I ended up getting $16000 in furniture for $8000 and 1 year deferred which works as I will have it paid in a few months. Doesn't hurt to ask.
They pulled Experian. My score was 691. Approved for $4000. I got the furniture I wanted.
I went to Lowe's (store card) to get a refrigerator and they pulled Experian also. I was expecting TU. Poor Experian took a hit tonight.
Congrats on the approval. Also, it seems many creditors really are taking a huge liking to Experian lately.