@Anonymous wrote:
To answer your question, I applied for this last April when I bought an XPS 2-in-1. This was before I found this forum and learned a ton of new info.
@I took advantage of a 0% offer. To @bourgonne’s credit, if you have another card that offers rewards and 0% it makes more sense to do it that way or even potentially applying for a card with those benefits. At the time, I assumed I didn’t have much choice amongst cards and I had no 0% offers on my existing cards.
I applied for the card without it being part of a transaction. It was approved for $4K. They pulled Experian only. At the time my score was 696 and my overall utilization was around 88%. (I didn’t know to pay attention to statement cut dates and report dates until this forum.) It was the first inquiry in 24 months and I had no new cards during the same 24 month period. AAoA was likely in the 12 year category.
After three months, they auto-CLI me to $5500. The payment system is good enough. I haven’t had any issues with payments posting. I’ve read that they will not do manual increase request. It reports as a retail store card on all three bureaus for me though for others it has reported differently.
I buy PCs only when needed and don’t plan on retaining this card past April. Also, I never received a physical card.
I hope this info is helpful.
I really appreciate the information. I have 0% APR with my AMEX at the moment, just not sure if I want that much carrying over every month until it's paid off. But by the same time, the limit on that is pretty high so the util wouldn't show as much as if I had a lower limit one. Good info!
(ACHIEVED!)
wrote:assuming you had a near top of the line computer ~4 years ago nothing will Breathe more life into it faster than an ssd upgrade. this ssd is top notch, comes with an image app and get the mounting bracket as well. a windows 7 reboot will go from 1.5-2 min to <20 seconds. best bang for the buck in upgrades. update your firmware esp the bios before doing the image. run a disk cleanup before as well
https://www.amazon.com/gp/product/B00OBRE5UE/ref=oh_aui_search_detailpage?ie=UTF8&psc=1
Thanks for the info. I've added it to my wishlist. My current desktop is about 6 years old or so.
@dsotm76 wrote:
@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? :-)
I know this is an old post so I don't know if it's relevant to you anymore, but I just picked the processor I wanted and let the rest of the chips fall where they may. None of the upgrades at that point were a better deal than buying it from Amazon, etc.