@bichonmom wrote:Build a computer? I wish! Non-techie here, guys! The DC (or is AC?) power goodie that the AC adapter plugs into is loose and needs to be replaced. If I were a techie, I'd be able to just buy the part and replace it. Instead, when I got a quote for repair, they said that they have to take my laptop apart since the the DC power thing attaches to the motherboard, and I might as well just get a new computer.
Ah laptop! There is no custom built laptop standard going around. So for laptop you have to rely on OEM like Dell and HP.
For desktop I highly encourge you to take the time to build your own computer. You will appreciate it.
@trumpet-205 wrote:
@bichonmom wrote:Build a computer? I wish! Non-techie here, guys! The DC (or is AC?) power goodie that the AC adapter plugs into is loose and needs to be replaced. If I were a techie, I'd be able to just buy the part and replace it. Instead, when I got a quote for repair, they said that they have to take my laptop apart since the the DC power thing attaches to the motherboard, and I might as well just get a new computer.
Ah laptop! There is no custom built laptop standard going around. So for laptop you have to rely on OEM like Dell and HP.
For desktop I highly encourge you to take the time to build your own computer. You will appreciate it.
All I've had for years now is a laptop. Haven't had a desktop in over 8 years! I'm on my 2nd laptop and closing in on #3. 
The benefit of a hidden tradeline is that if you have a balance, it doesn't affect your util. If you get a CC w/$2k limit and get a computer for $1k, you're at 50% util, which lowers your FICO score.
For the highest FICO, it's best to have only one CC reporting with a balance at <9%. I've seen my score drop by over 20 points just having a second CC reporting a balance.
It also helps because every new acct lowers your AAoA, so your AAoA isn't adversely affected.
On the other hand, if you don't carry a balance, it would actually help your util to have the CL report.
And yes, if you're applying for a mortgage, you should list every debt, whether or not it reports on your CR. But for most of us, we're looking at the day to day affects on our FICO. 
@trumpet-205 wrote:
@bichonmom wrote:Build a computer? I wish! Non-techie here, guys! The DC (or is AC?) power goodie that the AC adapter plugs into is loose and needs to be replaced. If I were a techie, I'd be able to just buy the part and replace it. Instead, when I got a quote for repair, they said that they have to take my laptop apart since the the DC power thing attaches to the motherboard, and I might as well just get a new computer.
Ah laptop! There is no custom built laptop standard going around. So for laptop you have to rely on OEM like Dell and HP.
For desktop I highly encourge you to take the time to build your own computer. You will appreciate it.
Asus has a kit but it'll turn out to be a portable gaming monster.
Desktop builds are easy--foolproof these days. It's pretty difficult to not get it right. You will get a quality product crapware free. On the low end, it will cost more but run so much better. High end builds will save money and run equivalent or better to boutique builders minus the custom cases and paints.
it is hidden, I dont think their guidelines should be too difficult. I got approved for $2k instantly with scores in the upper 600's. its a good card to have if you plan on financing from time to time but no reporting unfortunately
Wow just got $3200 but don't need anything. 
