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dell credit card

post #1 of 16
6/14/05 at 12:26am
Thread Starter 
do you get an additional discount if you use the dell credit card to pay for your purchase?
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post #2 of 16
6/14/05 at 12:36am
something like 2%
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post #3 of 16
6/14/05 at 12:40am
only when those DPA coupons come out. by dell credit card, im assuming u mean dell preferred account?

we ordered with the DPA...but it was a big mistake, as they charge u insane interest (like 14% or something)
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post #4 of 16
6/14/05 at 12:55am
i ordered using DPA but its cause i got a 10% discount, then i paid it off right away, yeah its a ridiculous APR, but 10% makes a difference.
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post #5 of 16
6/14/05 at 1:32am
yea, definitly pay it off right away. I was going to make a few payments and then pay it off to help my credit rating out a bit but sure as anything, they screwed up my first payment. That took a while to straighten out due to the indian folks having a hard time understanding me as well as me having a hard time understanding them.

Thought the second time round would go smooth, but no. They applied that payment to someone elses account somehow. After that I said the hell with it and payed the thing off. Dealing with those folks is very difficult as reaching a supervisor or someone that speak english fluently is almost impossible. Not that these people arn't there, but the reps will constantly tell you they are in meetings, or not there or they just keep trying to get a payment over the phone rather then dealing with the real issue.

They have just recently started taking on-line payments and from what I understand, that doesn't even work right some times. So, just pay the account off right away. It's great to use so long as you have the cash and can pay it off quick.
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post #6 of 16
6/14/05 at 1:36am
14% APR sounds low for a credit card.
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post #7 of 16
6/14/05 at 2:27am
Thread Starter 
so what you guys are saying is that i could use the DPA to pay for it, and get a discount at anytime whenever i decide to purchase?
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post #8 of 16
6/14/05 at 12:40pm
Quote:
Originally Posted by deltawalkerl
14% APR sounds low for a credit card.

I believe 14% is the absolute lowest Dell will go when it comes to credit cards. Typically, it's anywhere from 19 -24%!!! Thats just crazy!!
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post #9 of 16
6/14/05 at 2:27pm
Those interest rates are ridiculous. However, if you have good credit, you can qualify for their 6 months interest free promotion. That way, you get a discount on your system and you won't get charged the interest. Make sure you pay it off in 6 months, though because the interest accrues, and you'll be hit with a heavy bill when it comes to that 7th month.
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post #10 of 16
6/14/05 at 3:20pm
Quote:
Originally Posted by 411sponge
I believe 14% is the absolute lowest Dell will go when it comes to credit cards. Typically, it's anywhere from 19 -24%!!! Thats just crazy!!
That's quite common for a credit card. 9% above prime will put you there.
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post #11 of 16
6/14/05 at 5:03pm
I can only think of one advantage in using the Dell Preferred card. It's faster. They don't have to wait for visa or m/c to clear, meaning... your order gets processed faster.
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post #12 of 16
6/14/05 at 5:32pm
Yeah, I totally agree with you Delta. Unfortunately, a lot of people don't realize they are getting charged a ridiculous amount of interest until they notice their minimum monthly payment doesn't even touch the principal! Oh well, live and learn I guess.


Freak4Dell - I just wish Dell has a 1 year no interest program. That incentive would make it a lot more tempting for people to apply for the Dell credit card. By the way, that is the only time that I will make a major purchase on those retail credit cards.
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post #13 of 16
6/14/05 at 6:06pm
Well, Dell doesn't have anything to do with their financial promotions. As you may or may not know, Dell Financial Services is a different company than Dell Computers. I wish for that same program, but I doubt we will get it.
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post #14 of 16
6/15/05 at 2:55am
I just got a DPA at 18% and I think that is as high as they can legally charge in Maine. So I'll be paying that off when it comes in. 18% is bad 21% is insane,
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post #15 of 16
6/15/05 at 4:37am
Quote:
Originally Posted by 6000dUser
I can only think of one advantage in using the Dell Preferred card. It's faster. They don't have to wait for visa or m/c to clear, meaning... your order gets processed faster.
unless you get a 10% off like i did
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post #16 of 16
6/15/05 at 1:53pm
I would only pay with the Dell Preferred Account if I qualified for the 6 months interest free thing.
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