Which Line of credit to use for a new computer

[Anonymous]

My work environment has been preety miserable and my usual frustrations have turned into outright anger. It's toxic, blah blah blah. I'm sick of complaining about the same this over and over so it's time I make changes for myself instead. And my home computer just kicked the bucket. It's going to be around 3.5k-5k to update for new a new macbook. I've never carried a balance before and would probably freak my credit card carriers out. I was considering applying for the NFCU for membership a credit card but Im thinking a LOC would be a more appropriate way to carry a balance like this? Im thinking payments like 500 a month would be ideal. I have savings, but I don't want to dip into it because its for my future downpayment. Or should I apply for the apple Barclay card? Or would I want to just apply for a personal loan? Even though this is kinda business, I don't have that part figured out yet to apply for a small business loan...or should I just use a card I already have and hope they don't freak out.

what do you guys think?

[CreditCuriosity]

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@Anonymous wrote:

My work environment has been preety miserable and my usual frustrations have turned into outright anger. It's toxic, blah blah blah. I'm sick of complaining about the same this over and over so it's time I make changes for myself instead. And my home computer just kicked the bucket. It's going to be around 3.5k-5k to update for new a new macbook. I've never carried a balance before and would probably freak my credit card carriers out. I was considering applying for the NFCU for membership a credit card but Im thinking a LOC would be a more appropriate way to carry a balance like this? Im thinking payments like 500 a month would be ideal. I have savings, but I don't want to dip into it because its for my future downpayment. Or should I apply for the apple Barclay card? Or would I want to just apply for a personal loan? Even though this is kinda business, I don't have that part figured out yet to apply for a small business loan...or should I just use a card I already have and hope they don't freak out.

what do you guys think?

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Have you thought about a hidden TL such as paypal credit or paypal credit through Newegg?  That way it is a hidden TL and you can have it maxed and no one will see it  You will get an inquiry though..  What I did.

[Anonymous]

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@Anonymous wrote:

My work environment has been preety miserable and my usual frustrations have turned into outright anger. It's toxic, blah blah blah. I'm sick of complaining about the same this over and over so it's time I make changes for myself instead. And my home computer just kicked the bucket. It's going to be around 3.5k-5k to update for new a new macbook. I've never carried a balance before and would probably freak my credit card carriers out. I was considering applying for the NFCU for membership a credit card but Im thinking a LOC would be a more appropriate way to carry a balance like this? Im thinking payments like 500 a month would be ideal. I have savings, but I don't want to dip into it because its for my future downpayment. Or should I apply for the apple Barclay card? Or would I want to just apply for a personal loan? Even though this is kinda business, I don't have that part figured out yet to apply for a small business loan...or should I just use a card I already have and hope they don't freak out.

what do you guys think?

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@Anonymous,

Sorry your computer died.  This is the case where a business credit card of which most are hidden tradelines (Amex, Chase, U.S Bank etc.) becomes very important. That amount could be put on it and it won't affect your credit report whatsoever and you'd have the piece of mind paying it off slowly albeit interest.

Since you don't have that option,  The Barclays Apply will probably give you some promotional APR for your purchase if you apply.  The only worry is if they will be willing ot give you a higher limit to cover the price of the computer. 

[Creditaddict]

you have access to Navy Federal and you have not joined and applied for credit?!!

[CreditCuriosity]

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@Creditaddict wrote:

you have access to Navy Federal and you have not joined and applied for credit?!!

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Blasphemy!

[Anonymous]

That's one expensive MacBook

[mongstradamus]

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You have decent limits on either your CSP or amex cards why not use one of them to make purchase for macbook? I believe all amex and csp cards have extended warrarnty built into the purchase. If you call chase or amex and tell them you are going to buy new computer from apple i don't "think" they will freak out. 

[Anonymous]

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@CreditCuriousity wrote:

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@Creditaddict wrote:

you have access to Navy Federal and you have not joined and applied for credit?!!

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Blasphemy!

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If true, a public flogging is called for.

[Anonymous]

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@Anonymous wrote:

That's one expensive MacBook

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Agree LOL..

[CreditCuriosity]

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@Anonymous wrote:

That's one expensive MacBook

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Agree work is getting me a new macbook pro for work in the next month or two with 16 gigs ram and SSD and believe it will be around 2200-2500 price range, granted I work for a university and we get a discount.  Still sounds high though