@laurasiew wrote:
I have been working on my credit to get a new car and it's looking like I can do it at the end of April. I've been planning on using my tax return to pay down my cc's to get my final bump. I'm at about 40% util. . I was also planning on waiting until after I bought the car to buy an Apple computer, but just my luck, my computer just died and this HP touchpad just won't cut it.
so now I'm contemplating taking the plunge early. Not sure if the INQ and new account will hurt me or if I could possibly get a bump if I ask for a high limit ($2500) and only use about $1000. I can go buy a cheap pc cash, but honestly I feel like that would be a waste of money.
TU 628, 2 unpaid collections from 2009, low DTI, income $65,000.
any thoughts would be greatly appreciated! Thanks!
Hmm...TU 628 would be a 50/50 for Barclay's Apple VISA card, but you might be able to get approved - even if it took a recon - especially since you have a specific purchase in mind. I was denied online and during the first two recon efforts. Then, on the 3rd try, I mentioned that I was disappointed that I couldn't buy my wife our first Apple for Christmas - and that I might have to shop PC brands. The guy put me on hold and came back with an approval for $300 more than I asked for. This with a 616 TU FICO at the time of approval 
Words of advice:
1. Apply for the computer financing FIRST, as any approving lender likely will not freak out over a subsequent auto loan application/approval (people have to work to earn money...even Barclay's understands that).
2. If you are denied and recon, mention specifically that you are wanting to buy a (type of Apple computer goes here). They seem to be very generous with recons when you mention that you might have to wait to purchase and/or buy a PC if financing isn't approved.
As always, YMMV, but this is my limited experience, so take it for what it's worth 
Depending on the computer, you may not have a high enough limit. MBP 13" start around 1300. Not sure of the exact cost with tax and everything as Apple's stores down pending the release of the iPad 3. Refreshing the store page is killing me 
@Anonymous wrote:Depending on the computer, you may not have a high enough limit. MBP 13" start around 1300. Not sure of the exact cost with tax and everything as Apple's stores down pending the release of the iPad 3. Refreshing the store page is killing me
haha, i am really tempted to jump from my 10.1. I am upgrading my Apple TV fo sure.
As for the poster, I bought a mac air last November for my wife, Barclays gave me $2500 and that was with suppressed credit from loading $60k on our credit cards for oru wedding. Income might play a factor, but you have a shot!
