No credit card required
Browse credit cards from a variety of issuers to see if there's a better card for you.
Does anyone know what criteria is looked at for Dell financing?
I need want to get rid of my current computer.
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
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
@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?
@Volpes 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.
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.
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%
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!
@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!