wow! I applied online and was INSTANTLY approved for a Dell Preferred account. $1500 limit , but at a 23% apr. Ouch! This is my FIRST EVER Instant Approval! Anyhow I don't plan on buying a new computer like today. Perhaps in the next 5-7 months however. I tried calling Dell Finincial services to confirm that I would be receiving a card and account information by mail, however they are closed. The automated account information line tells me my balance is zero, and my available credit is $1500. I just wanted to make sure you didn't have to make a purchase right after being approved, which I assume you do not. Anyhow what kind of experience have you had with your dell preferred account ? Did you make a purchase right after being approved, or no ? Also from what I understand they report some accounts , but don't others. Thats rather weird ....
You'll receive your card in a week or so. No, you don't need to purchase anything right now...the card is good in the future. One word of caution: Buying a computer at 23% interest is a REALLY bad idea. Computers lose a great deal of their value as soon as you purchase them... if you're a thrifty shopper, you could find a nearly new Dell on eBay (or elsewhere) for 1/3-1/2 the price of one on the Dell website. I purchased my Dell system for $350 from an individual. It was only a few weeks old, and Dell had the identical system on their website for $850. The person I bought it from received it as a gift and didn't want it. Remember, credit approval isn't a reason to buy.....
Thanks for the advice - However I don't plan on purchasing a computer anytime soon and really doubt I'd purchase a system at that interest rate. More likely to purchase lower priced computer accesories, if anything. I really just wanted to see if I could be approved as they turned me down a year or so ago when I was in the market for a new system. My current Hewlett Packard works great, I love it It does feel great to know that I have built myself a credit history to where I was able to become approved, instantly however.
Re: Dell Preferred Account APPROVED What kind of scores and negitives are on your CR guys? What file did Dell pull? Thanks!
Re: Re: Dell Preferred Account APPROVED I have no negatives , just limited history of about 17 months. I believe they pull experian only, not sure what my score is there. EQ and TU scores are in my signature
Re: Re: Dell Preferred Account APPROVED Dell's card is through Citi Financial--They pull experian and will not approve if you have a BK.
Re: Re: Dell Preferred Account APPROVED Everything I had on my Dell account said CIT, never saw Citi referenced in any of my documents.
Re: Re: Dell Preferred Account APPROVED Dell is through CIT Financial...I thought they were affiliated with citi, but they are not.
Re: Re: Dell Preferred Account APPROVED You're right--I was thinking CIT and wrote Citi---Thanks for catching my mistake
Re: Re: Dell Preferred Account APPROVED stick with the hp...i've had my pavillion for 2 years and it works great...)...ed
Re: Re: Dell Preferred Account APPROVED Yes financing for dell is thru CIT Online Bank, not citi financial. My Hewlett Packard is doing great. She's a year old but is still awesome as when she first came out of the box. ( knock on wood ) So I won't be buying a new system anytime soon hopefully, and there is no way I'd finance one at 23%. That financing may be used for smaller things however.
