Dell financing

[Volpes]

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

I need want to get rid of my current computer.

[azguy13]

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

[Volpes]

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 

[Volpes]

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@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

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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?

[azguy13]

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@Volpes wrote:

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@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?

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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. 

[Volpes]

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.

[azguy13]

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%

[randeman]

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!

[azguy13]

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@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!

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

[Volpes]

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.