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Hey everyone!
Slowly, my computer is dying a painful death. I've thought about replacing my desktop, but not sure if I want to put out all that money for the system I want/need. I've seen on Dell and Lenovo's sites that their credit financing is done by Webbank. Has anyone dealt with them? Where do they pull from? Is it best to use their financing options or just use a CC with an intro 0% rate and carry a balance for about 12 months? Trying to line things up ahead of time. Thoughts and suggestions appreciated as always! THANKS!!
it will register as a subprime CFL. you don't want to do this.
to expand on this, if they give you a $2K limit and you purchase something for $1.9K it will show close to 100% utilization and your scores will take a hit. unless you plan on paying it down to under 10% in a week I see this as a solution for only the desperate
Thank you both for the replies. No, I was just going to purchase a computer, probably not much more than that with either of them.
I had not thought about a lower credit line and then the util reporting at max. It's probably best to use this one, save up some, purchase and pay off a chunk of it and finance the rest with 0%.
@dsotm76 wrote:Thank you both for the replies. No, I was just going to purchase a computer, probably not much more than that with either of them.
I had not thought about a lower credit line and then the util reporting at max. It's probably best to use this one, save up some, purchase and pay off a chunk of it and finance the rest with 0%.
off topic but take a look at the new dell xps 13 9360. 8th gen intel, 6 cores vs 4. one of my rides is an M2 in alpine white, I cannot tell you how bad I want this lol. works via a thunderbolt dock so you have a stellar desktop as well. rated the top laptop for years, I have several of the 9350s, great machines. get the pro + support with drop insurance.
Oh wow! I didn't need that temptation!! Gosh... LOL
@bourgogne wrote:
@dsotm76 wrote:Thank you both for the replies. No, I was just going to purchase a computer, probably not much more than that with either of them.
I had not thought about a lower credit line and then the util reporting at max. It's probably best to use this one, save up some, purchase and pay off a chunk of it and finance the rest with 0%.off topic but take a look at the new dell xps 13 9360. 8th gen intel, 6 cores vs 4. one of my rides is an M2 in alpine white, I cannot tell you how bad I want this lol. works via a thunderbolt dock so you have a stellar desktop as well. rated the top laptop for years, I have several of the 9350s, great machines. get the pro + support with drop insurance.
I'm currently 6th gen both laptop and desktop. I wish I waited for the i7-8700 to come out for the latter...
OP, how comfortable are you with computers in general? I bought my current desktop fairly bare bones from Dell and added RAM, hard drives, etc. myself. Even if you add everything on day 1 it's cheaper than buying from an OEM directly, especially for an SSD. I'm not sure how much of a computer you need, but that's one way to help spread out the purchase without any shady financing.
@Anonymous wrote:
@bourgogne wrote:
@dsotm76 wrote:Thank you both for the replies. No, I was just going to purchase a computer, probably not much more than that with either of them.
I had not thought about a lower credit line and then the util reporting at max. It's probably best to use this one, save up some, purchase and pay off a chunk of it and finance the rest with 0%.off topic but take a look at the new dell xps 13 9360. 8th gen intel, 6 cores vs 4. one of my rides is an M2 in alpine white, I cannot tell you how bad I want this lol. works via a thunderbolt dock so you have a stellar desktop as well. rated the top laptop for years, I have several of the 9350s, great machines. get the pro + support with drop insurance.
I'm currently 6th gen both laptop and desktop. I wish I waited for the i7-8700 to come out for the latter...
OP, how comfortable are you with computers in general? I bought my current desktop fairly bare bones from Dell and added RAM, hard drives, etc. myself. Even if you add everything on day 1 it's cheaper than buying from an OEM directly, especially for an SSD. I'm not sure how much of a computer you need, but that's one way to help spread out the purchase without any shady financing.
I'm competant with computers in general. I've swapped out things on my current desktop as needed, like hard drives and graphics cards. Definitely something to consider. What amped up basics would you suggest from Dell primarily, if you don't mind sharing? :-)