Financing?

C

Coreyhalliwell

n00b
Joined
May 25, 2005
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6
Does anyone know a gaming PC company that offers financing?(other than dell) I cant afford to drop ALL of my cash at once right now
 
Get a low intrest credit card, most of them are 0 intrest for the first year,just use it for your computer stuff. try not to get a merchant offered card , 18-24% intrest is no good.
 
Get a newegg preferred customer account and build your own computer! Just pay it off before six months and you'll have paid zero interest.

But I agree about the credit card. Many credit cards even extend your warranty.
 
Not only is this a good lesson in patience, but it is also a lesson in price shopping. I'm getting a computer in October and I've got most of the components (minus Mobo) picked out already. I'm going to watch prices throughout June/July, get the ones that drop into my budget range in August/Sept and wait for the rest to drop in October/November.

Already (I've got an xls if you want it) my components have dropped $400 with sales, coupons etc and that's since May 30th, a whole week. This is also helping my wife see how much I deserve a 2407 FPW and an 8800 GTX (in addition to other benefits;) ) for my patience and understanding :D

Good luck, but don't get sucked into 0% CC if you can help it. You may think you'll have it paid off by the time the interest jacks up, but if you can't budget now, why do you think you will be able to then? ;)
 
also thinking about this, how is the newegg preferred customer account? anyone else have it? thinking about signing up and getting my rig with the no payments/no interest for 6 months. input for OP and myself appreciated. Thanks! *sorry for semi-hijacking?*
 
flipflopsnowman said:
Not only is this a good lesson in patience, but it is also a lesson in price shopping. I'm getting a computer in October and I've got most of the components (minus Mobo) picked out already. I'm going to watch prices throughout June/July, get the ones that drop into my budget range in August/Sept and wait for the rest to drop in October/November.

Already (I've got an xls if you want it) my components have dropped $400 with sales, coupons etc and that's since May 30th, a whole week. This is also helping my wife see how much I deserve a 2407 FPW and an 8800 GTX (in addition to other benefits;) ) for my patience and understanding :D

Good luck, but don't get sucked into 0% CC if you can help it. You may think you'll have it paid off by the time the interest jacks up, but if you can't budget now, why do you think you will be able to then? ;)
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sent you a pm on a deal for my computer that you might be interested in.
 
Apoxi said:
also thinking about this, how is the newegg preferred customer account? anyone else have it? thinking about signing up and getting my rig with the no payments/no interest for 6 months. input for OP and myself appreciated. Thanks! *sorry for semi-hijacking?*
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I have one, have used it once. Purchase was too small to qualify for no payments/interest for 6 months. Not much to say other than that.
 
Regarding Newegg Preferred Account :

I don't see any reason to sign up for this account.
Yeah, purchases large enough does warrant a 0%APR for 6 months or more - but the interest rate after that "PROMOTIONAL" period is ridiculous.

If you're absolutely, positively 110% sure you'll have it paid preferrably BEFORE the 6 months of grace period - then it can be beneficial.

But most people can't be that sure. Needed expenses come up in life that is unexpected.
A large percentage of the people end up thinking "Geee, I can pay that off before the 0% is over. It's a whole 6 months.", but 6 months fly by in a blink of an eye. And by that time, you end up paying minimum balance every month with the interest rate eating a big chunk of it. It ends up taking much longer than necessary to have it start applying more to your principal balance.

This doesn't apply to everyone, but alot of people have experienced these issues (including me).


The same methodology applies to credit cards also. But aren't as bad considering your standard APR should be lower than store cards.


Unless you're going to make a very expensive purchase, I advise to just be patient as the prices come down - and save up during the wait.

That's my 2¢ and some more.
 
Keep in mind, applying for these cards lowers your credit score.
 
Today is actually my birthday, just turned 18. Credit score needs to start somewhere,eh?
 
Dark Prodigy said:
Agreed 100%. It will come. =)
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I try to pay for everything in full, i feel if i cant afford to pay it off in full i cant afford it.

(that doesnt include cars and houses)

so i agree... wait for it... hell something better is always coming out anyway haha
 
Apoxi said:
Today is actually my birthday, just turned 18. Credit score needs to start somewhere,eh?
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If you don't already have anything else helping you build credit, you're not going to be approved for Newegg Preferred
 
Apoxi said:
Today is actually my birthday, just turned 18. Credit score needs to start somewhere,eh?
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true...

Vertigo Acid said:
If you don't already have anything else helping you build credit, you're not going to be approved for Newegg Preferred
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that sux, lol, but understandable.

Heh, if your parents have good credit, they could help you get a credit card to get you started -- if they trust you enough, lol.
 
applied for the newegg preferred card, and i got approved with a 3000 dollar credit limit. :)
 
Apoxi said:
applied for the newegg preferred card, and i got approved with a 3000 dollar credit limit. :)
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Congrats

And remember, whatever you spend, divide by 6 and pay that much each month. Point is, figure who much you can afford each month and make sure you don't spend more then 6 times that.
 
enginurd said:
Keep in mind, applying for these cards lowers your credit score.
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Technically it's a bit more complicated than that.
At the time of initial application, a poll is made on your credit report that does lower your overall score by a small margin.
But once you start using the card and keeping up a good payment history and balance:limit ratio - in the long run will increase your score.

For instance, if you have a credit card with a $1,000 limit and you're almost maxed out, an additional credit card with again a $1,000 limit will give you a better balance to limit ratio. Thus not negatively impacting your overall score. But having too little balance to limit harms credit also.

But yeah. Enough blabbing - time to get back to work.. =P
 
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