holy....! I Got Approved!

[erf]

won't be ordering for about a month but this is what my order list will look like...under 2k...

http://secure.newegg.com/NewVersion...ion=HISTORY&ID=1624408&WishListTitle=under+2k

 

[Lethal]

"Your wish list Detail is empty."

 

[erf]

"Your wish list Detail is empty."

Qty. Product Description Unit Price Savings Total Price

Update Thermaltake Xaser III Skull VM3420BU Black 0.8mm SECC Chassis, Aluminum made Front decorations ATX Mid Tower Computer Case Silent PurePower 420W Power Supply - Retail
Model #: VM3420BU

In Stock
Remove Add item to Cart $130.00 $130.00

Update JetWay 939GT4-SLI Socket 939 NVIDIA nForce4 SLI ATX AMD Motherboard - Retail
Model #: 939GT4-SLI

**This item is warranted through the product manufacturer only.
In Stock
Remove Add item to Cart $129.99 $129.99

Update eVGA 256-P2-N538-AX With Battlefield 2 Bundle Geforce 7800GTX 256MB GDDR3 PCI Express x16 Video Card - Retail
Model #: 256-P2-N538-AX

**This item may only be returned for a replacement of the same make/model.
In Stock
Remove Add item to Cart $545.00 $545.00

Update AMD Athlon 64 3700+ San Diego 1GHz FSB Socket 939 Processor Model ADA3700BNBOX - Retail
Model #: ADA3700BNBOX

**This item is warranted through the product manufacturer only.
In Stock
Remove Add item to Cart $299.00 $299.00

Update CORSAIR ValueSelect 2GB (2 x 1GB) 184-Pin DDR SDRAM DDR 400 (PC 3200) Unbuffered System Memory Model VS2GBKIT400C3 - Retail
Model #: VS2GBKIT400C3

In Stock
Remove Add item to Cart $206.00 $206.00

Update Maxtor DiamondMax 10 6L250S0 250GB 7200 RPM Serial ATA150 Hard Drive - OEM
Model #: 6L250S0

In Stock
Remove Add item to Cart $110.00 $110.00

Update LITE-ON SK-1789/BS 2-Tone PS/2 Wired Slim Keyboard - Retail
Model #: SK-1789/BS

In Stock
Remove Add item to Cart $6.25 $6.25

Update SAMSUNG 915N-Black 19" 8ms LCD Monitor - Retail
Model #: 915N

**This item is warranted through the product manufacturer only.
**Dead Pixels Policy: Replacement or Refund for 8 or more dead pixels only.
In Stock
Mail-in Rebate
Remove Add item to Cart $329.95 $329.95

Update Logitech MX518 931352-0403 2-Tone 8 Buttons 1x Wheel USB + PS/2 Optical Mouse - Retail
Model #: 931352-0403

In Stock
Remove Add item to Cart $39.97 $39.97

Update NEC Black IDE DVD Burner Model ND-3540A - OEM
Model #: ND-3540A Black

In Stock
Remove Add item to Cart $45.99 -$4.00 Instant $41.99

Update Microsoft Windows XP HOME Edition With Service Pack 2 - OEM
Model #: N09-01152

**Software delivered damaged and/or defective may be returned for an identical replacement.
In Stock
Remove Add item to Cart $87.95 $87.95
Subtotal: $1,926.10

 

[erf]

ok fellow computer nerds weeks of drama have finally concluded on a sweet but sour note!

check this shit out,

a few months back i started dreaming of building my new rig....to make a long story short i didn't have the cash and had to finance.

my dream was to pick out 2000.00 worth of tech from newegg and finance it through their new bill me later option. well i configured my system only to get turned down by the financing. it was depressing but i still had the back up plan of using my 2500.00 credit line through alienware. the last few weeks i've been >< close to ordering my alienware but something told me to hold the fuck off.

well the last couple of days have been chaos. i applied through dell...got approved...applied through micro velocity and got approved...and i'm like WTF MATE?!?!?!
i've been trying to configure a system through these 4 places and it was just sickening me that i was spending this much on a pos OEM.

fast forward to today..........i had made my mind up to order a 1700.00 system through VM and get my monitor through dell....all is good.

for fun i was just browsing new egg and building a "scaled down" 1k system.

just for grins and giggles i went to the checkout and entered my credit info and submitted it.OMFGWTFBBQ????????!!!!!!??????

CONGRAGULATIONS! order complete! thanks for shopping at new egg! OMFGOMFG!

here is what i ordered.....my order included everything except a case which i will pay cash for.


Chaintech VNF4/Ultra (non-sli)
3500+ venice
2x512 corsair value select 184 pin ram
hitachi deskstar 160gb sata150 hd
xfx7800gt 450/1050
NEC dvd-rw od
windows xp home

grand total - 986.93 lOLOLOLOLLLLLLLOLOLOLLLLLLOLOLOLO

the only thing is once you submit the order through bill me later you cant add or take away from the order. now that i know i'm approved i'd kinda like to change some shit...namely the processor...i want an x2...i hope newegg lets me cancel the order and change some shit...i also kinda want 2g of ram....if i dont get to oh well....im just glad im finally gonna get a system!!!!!!!!!! can someone recommend a good case for 50-75 range that includes a power supply?

 

[InorganicMatter]

Yeah, try to cancel the order and resubmit. You may not get approved again, but it's better than spending money on a system your not 100% happy with. Also, when you reorder, get a good PSU. Antec Neopower or TrueBlue 480 comes to mind.

 

[O-P-M]

I got approved, but I think when you weren't getting approved, the bill me later feature was messed up cause I called newegg and they said they were having problems with. Also the bill me later website was down and when it finally went back online the feature worked.

 

[erf]

Yeah, try to cancel the order and resubmit. You may not get approved again, but it's better than spending money on a system your not 100% happy with. Also, when you reorder, get a good PSU. Antec Neopower or TrueBlue 480 comes to mind.

well i might just keep it....does this system look ok? i mean its a sub 1k system...

 

[Clockworks]

The question is "Are you happy with it?"

If you answered "No" then cancel the order and configure it to your liking. If Newegg was having problems with financials for the time being, wait until they have everything sorted out (wait a few more days to make sure that everything is REALLY working).

Bear in mind that if you spend less than $100 on a PSU, your system that you want to build will be heavily underpowered (need at least 480+W PSU, preferably more though).

Good luck with your build.

 

[erf]

The question is "Are you happy with it?"

If you answered "No" then cancel the order and configure it to your liking. If Newegg was having problems with financials for the time being, wait until they have everything sorted out (wait a few more days to make sure that everything is REALLY working).

Bear in mind that if you spend less than $100 on a PSU, your system that you want to build will be heavily underpowered (need at least 480+W PSU, preferably more though).

Good luck with your build.

thanks now that i'm on my way to building i'll be hanging around these forums alot more...if you know what i mean...this is my first build and i'll need some help. yall can be my techie hos.

 

[RandysWay]

thanks now that i'm on my way to building i'll be hanging around these forums alot more...if you know what i mean...this is my first build and i'll need some help. yall can be my techie hos.

ROFL ROFL. That shit is sig quality right there. Techie hoes.

 

[AthenaX]

ROFL ROFL. That shit is sig quality right there. Techie hoes.

That actually made me laugh.. Good one

 

[CanonicalAbstract]

Hm, that Newegg "bill me later" thing seems like a sure shot for me. Questions are, though, how does it exactly work, what are the interest rates, and will using the HardOCP promo code help at all?? I am actually in serious debate about doing this, and it would be nice to get my new stuff ASAP. I just plan on upgrading the mobo, chip, RAM, graphics card and PSU, essentially build a new tower.

Hmmmmmmmm *starts looking through Newegg's website*

 

[erf]

Hm, that Newegg "bill me later" thing seems like a sure shot for me. Questions are, though, how does it exactly work, what are the interest rates, and will using the HardOCP promo code help at all?? I am actually in serious debate about doing this, and it would be nice to get my new stuff ASAP. I just plan on upgrading the mobo, chip, RAM, graphics card and PSU, essentially build a new tower.

Hmmmmmmmm *starts looking through Newegg's website*

you just put in your birthday and last four SS #'s. it was easy as pie. i found out the hard way that my limit was 1K though. hehe. i tried to order some more shiz and i got rejected twice. LOL. i guess ill just pay cash for my case and order my monitor off of dell. i wanted a wide screen anyway.

 

[AthenaX]

17.99% of total charge if not payed in 90days..

 

[Met-AL]

17.99% of total charge if not payed in 90days..

Holy Cow!!! that is high as hell.

 

[CanonicalAbstract]

you just put in your birthday and last four SS #'s. it was easy as pie. i found out the hard way that my limit was 1K though. hehe. i tried to order some more shiz and i got rejected twice. LOL. i guess ill just pay cash for my case and order my monitor off of dell. i wanted a wide screen anyway.

Well, I have a list of stuff I am hoping to get...

Asus A8N-SLI Deluxe mobo at 159.00
AOpen 6800GT video card at 289.00
Enermax Noisetaker 600W PSU at 149.99
Corsair 1GB (2x512) Memory at 89.75
AMD Athlon64 3000+ Venice core at 146.00

Total of all parts comes to 833.74... with shipping, 848.06 (14.32 in shipping).

Now, I'm in a serious dilemma here. First off, the stuff I have now is going bonkers. As stated in another thread I have in this GenHard forum, my video card is pretty much on its way out, my sound card works when it wants to, and I think my motherboard is having a breakdown of sorts. Considering its a Pentium III, and this upgrade would be a major step, I would love to do it.

But, as I think for a second, aside from possibly not being approved. I'm also wondering financially how I could handle this. The 17.99 percent interest rate is pretty harsh IMO. I currently don't have the money to throw down at the moment, but would love to pay by month, and can without a problem with my budget. The 90 days no payments due thing is a nice catch, but how can I guarantee that I will have a good chunk of money to pay on it right off?? Not to mention, I have to save up about 1600 for school by the end of December. So yeah, I'm in between a rock and a hard place on this one.

 

[erf]

Well, I have a list of stuff I am hoping to get...

Asus A8N-SLI Deluxe mobo at 159.00
AOpen 6800GT video card at 289.00
Enermax Noisetaker 600W PSU at 149.99
Corsair 1GB (2x512) Memory at 89.75
AMD Athlon64 3000+ Venice core at 146.00

Total of all parts comes to 833.74... with shipping, 848.06 (14.32 in shipping).

Now, I'm in a serious dilemma here. First off, the stuff I have now is going bonkers. As stated in another thread I have in this GenHard forum, my video card is pretty much on its way out, my sound card works when it wants to, and I think my motherboard is having a breakdown of sorts. Considering its a Pentium III, and this upgrade would be a major step, I would love to do it.

But, as I think for a second, aside from possibly not being approved. I'm also wondering financially how I could handle this. The 17.99 percent interest rate is pretty harsh IMO. I currently don't have the money to throw down at the moment, but would love to pay by month, and can without a problem with my budget. The 90 days no payments due thing is a nice catch, but how can I guarantee that I will have a good chunk of money to pay on it right off?? Not to mention, I have to save up about 1600 for school by the end of December. So yeah, I'm in between a rock and a hard place on this one.

well first of all the minimum payment will only be 3% of your balance so your minimum would only be.....27 dollars or so. of course they are doing a promotion that is no interest for 3 mo. so take advantage of it. after that you will only be required to pay 27.00. of course you would be smart to pay more of the remaining balance but....hey at least you'll have a new rig.

 

[Met-AL]

well first of all the minimum payment will only be 3% of your balance so your minimum would only be.....27 dollars or so. of course they are doing a promotion that is no interest for 3 mo. so take advantage of it. after that you will only be required to pay 27.00. of course you would be smart to pay more of the remaining balance but....hey at least you'll have a new rig.

LOL..that is exactly the kind of thinking that they want you to have. Dont buy the stuff if you cant afford to pay it off quickly or at all. 18% is way to high to be carrying a balance on... especially on something like a PC.

 

[Darkside]

NIce system..Can we have some pic's of the final product when your done??...pleease

 

[Novensu]

Erf,

Just an FYI,

Did you know that everytime that you apply for credit and whether you get approved or not it lowers your credit score, the more times, the greater the impact. This score is what the lenders look at to approve or deny you a line of credit. Also they stay on your credit report for 3 years as well. I don't want to rain on your parade, but thought you should know. Congratulations on your new system I hope you enjoy it!

~ Novensu

 

[CanonicalAbstract]

Erf,

Just an FYI,

Did you know that everytime that you apply for credit and whether you get approved or not it lowers your credit score, the more times, the greater the impact. This score is what the lenders look at to approve or deny you a line of credit. Also they stay on your credit report for 3 years as well. I don't want to rain on your parade, but thought you should know. Congratulations on your new system I hope you enjoy it!

~ Novensu

Thats the other thing I'm scared of. I know that the most recent inquiries were from Nextel, WFS Financial (for my car), and Key Financial (Financial Aid Denial). The thing is, I haven't applied for any CCs other than that, and I have been getting offers out the ying-yang on credit cards, so something tells me my credit might be in good standing to do this.

HOWEVER, I still have my reservations. The more I think about it, I can pay a good chunk off once I get my tax returns, as well as other things I have to pay off (other CC debt, money I owe my brother for destroying his tracker 3 years ago ).

One side of me says "no, wait until you have the money, then do it, save for your college tuition first", but OTOH, I am also thinking I can pull both off. I can most likely get the money for tuition at the end of December, but at the same time, I'm trying to make sure I don't bork myself over in the process of doing so. I easily qualify for the 90-day no payment deal, and if I act now, I won't see a payment until December. That gives me time to pool up some cash, just gotta work my ass off (as per usual).

Ugh, I hate it when I flip-flop on stuff like this.

 

[pandora's box]

if you cant afford to pay cash dont buy it. using a credit card to pay for a computer is rediculous. a car i can understand but for a computer? no way.

 

[Clockworks]

Don't count your chickens before they hatch.

Save for college first, there will always be a computer waiting for you.

Are you going to be a college freshman? I'm in college right now studying accounting and I hardly see anyone with that type of computing power, most people just use their PS2/Xbox to play games.

In college people are afraid of having their stuff being stolen so they don't spend that much on such a high-tech equipment (unless they truly need it like a digital arts major)

Depending on what college you are going to and what your major is, wait. There is really no point in spending 3 grand on a PC to have it ruined by a drunk roommate or spending all your time just doing word processing.

 

[CanonicalAbstract]

Don't count your chickens before they hatch.

Save for college first, there will always be a computer waiting for you.

Are you going to be a college freshman? I'm in college right now studying accounting and I hardly see anyone with that type of computing power, most people just use their PS2/Xbox to play games.

In college people are afraid of having their stuff being stolen so they don't spend that much on such a high-tech equipment (unless they truly need it like a digital arts major)

Depending on what college you are going to and what your major is, wait. There is really no point in spending 3 grand on a PC to have it ruined by a drunk roommate or spending all your time just doing word processing.

2nd year night school student.. I don't have to worry about dorm theft. Normally, I take 2 classes a week, per semester. I got denied financial aid, so I'm paying outta pocket for the spring '06 Semester. I go to Wentworth Institute of Technology in Boston, MA, and studying Computer Networking and Information Systems (Bachelor's).

FWIW, I can just scrap the sound card and wait until after the tax season so I at least know I have some of the cash in hand, and just deal without the sound for now.

For my list, as you can see, I'm not going all-out. 850 for (esentially) a new PC is not bad at all IMO. But its more of the thought of if I should take the risk now, or wait on it. I'm actually leaning more towards waiting, considering what type of trouble I might get into down the road (I'm talking about aside from school).

 

[insanarchist]

if you cant afford to pay cash dont buy it. using a credit card to pay for a computer is rediculous. a car i can understand but for a computer? no way.

QFT! I've developed a philosophy that has saved me money on numerous occasions:

If it isn't going to make me money, or if I don't need it to survive, I make sure to think long and hard if I really want to throw the money away. Usually I wait around a week before making any important financial decisions; if I still want it that bad, I get it and live with the consequences. Keep in mind, with computers, waiting around will just increase the likelihood (sp?) that you can afford faster parts

 

[CanonicalAbstract]

QFT! I've developed a philosophy that has saved me money on numerous occasions:

If it isn't going to make me money, or if I don't need it to survive, I make sure to think long and hard if I really want to throw the money away. Usually I wait around a week before making any important financial decisions; if I still want it that bad, I get it and live with the consequences. Keep in mind, with computers, waiting around will just increase the likelihood (sp?) that you can afford faster parts

Good point. Or, since I am not one to always need the bleeding edge of technology, the parts I want become cheaper

 

[insanarchist]

Good point. Or, since I am not one to always need the bleeding edge of technology, the parts I want become cheaper

There we go

 

[BlindedByScience]

if you cant afford to pay cash dont buy it. using a credit card to pay for a computer is rediculous. a car i can understand but for a computer? no way.

...what he said. Running up debt for computer toys seems....wrong. If you "had' to have it for employment, perhaps, but I sure hate to see folks get into the 18% club for recreation.

My $00.02 - B.B.S.

 

[CanonicalAbstract]

...what he said. Running up debt for computer toys seems....wrong. If you "had' to have it for employment, perhaps, but I sure hate to see folks get into the 18% club for recreation.

My $00.02 - B.B.S.

Oh, my computer is used for much more than gaming. Web design, programming, well... gaming ( ), music, schoolwork, and of course, web surfing

But alas, I'm gonna wait on it, and see what happens down the road.

 

[Dan_D]

Heres some advice based on my opinions and experiences. Take it for what its worth.

Update Thermaltake Xaser III Skull VM3420BU Black 0.8mm SECC Chassis, Aluminum made Front decorations ATX Mid Tower Computer Case Silent PurePower 420W Power Supply - Retail Model #: VM3420BU

-Ugly case. To each their own. This isn't a huge problem, but I'd prefer something that isn't as gawdy and is easier to work with. Individual tastes will vary on this one though.

Update JetWay 939GT4-SLI Socket 939 NVIDIA nForce4 SLI ATX AMD Motherboard - Retail
Model #: 939GT4-SLI -Personally I'd suggest getting a name brand board such as the Asus A8N-SLi Premium. Or if your a serious overclocker I can see why you'd pick the DFI board. Hell even Abit. But Jetway? No. In my opinion this is a bad choice. There is simply no reason not to go with a name brand board here from another company.

Update eVGA 256-P2-N538-AX With Battlefield 2 Bundle Geforce 7800GTX 256MB GDDR3 PCI Express x16 Video Card - Retail
Model #: 256-P2-N538-AX -Solid choice here.

Update AMD Athlon 64 3700+ San Diego 1GHz FSB Socket 939 Processor Model ADA3700BNBOX - Retail
Model #: ADA3700BNBOX -Another solid choice. I myself would go with the X2 3800 and OC it. There is nothing wrong with what you've picked though.

Update CORSAIR ValueSelect 2GB (2 x 1GB) 184-Pin DDR SDRAM DDR 400 (PC 3200) Unbuffered System Memory Model VS2GBKIT400C3 - Retail
Model #: VS2GBKIT400C3 -I have had nothing but trouble from Value Select memory. I've personally delt with alot of compatibility problems with such modules. I'd personally consider going with higher end memory than this. However, if your not planning to overclock this is a good choice from a reputable company. The choice of memory is even more important depending on the motherboard you've slected. With cheaper no name hardware, this could be a problem when it comes to compatibility.

Update Maxtor DiamondMax 10 6L250S0 250GB 7200 RPM Serial ATA150 Hard Drive - OEM
Model #: 6L250S0 -Nothing wrong here. I personally prefer Western Digital or Seagate.

Update LITE-ON SK-1789/BS 2-Tone PS/2 Wired Slim Keyboard - Retail
Model #: SK-1789/BS -Nothing wrong here.

Update SAMSUNG 915N-Black 19" 8ms LCD Monitor - Retail
Model #: 915N -Another fine choice. Personally I'd go with a higher resolution display. But cost is going to be a factor. You've made a excellent choice with the budget your working with here.

Update Logitech MX518 931352-0403 2-Tone 8 Buttons 1x Wheel USB + PS/2 Optical Mouse - Retail
Model #: 931352-0403 -The same choice I made awhile back. Excellent mouse. Personally I'd wait for the G5 or G7 as they are just around the corner.

Update NEC Black IDE DVD Burner Model ND-3540A - OEM
Model #: ND-3540A Black -Good choice again.

Update Microsoft Windows XP HOME Edition With Service Pack 2 - OEM
Model #: N09-01152 -Many will tell you to get Professional and not home. These people don't actually know what the hell the differences are and how they pertain to use in the home. So don't let people knock your choice.

 

[Papa-Ming]

erf,

Merged two of the posts about your new build.. in case your thread looked odd to you. The third one is moved to case forum... well, you're so excited.

Good luck and have fun with the new build.

 

[erf]

for all the peeps that think that financing is lame, i disagree. life is too short not to have what you want NOW. financing can be a blessing to some....as long as you don't get carried away. sure, you're gonna pay for it...but that's the trade off. you pay to get what you can't afford now. so financing is not always as bad as people make it out to be. if you really want something and don't feel like saving for a year then it's good. it would take me a good year or more to save for a new rig. financing works out for others who are in the same boat. sooooooooooooo, to sum it up, yes financing does cost but to some it's worth it.

 

[O-P-M]

Well the newegg bill me later stuff you can just pay it all off at once. Which is what I'm doing.

 

[figgie]

for all the peeps that think that financing is lame, i disagree. life is too short not to have what you want NOW. financing can be a blessing to some....as long as you don't get carried away. sure, you're gonna pay for it...but that's the trade off. you pay to get what you can't afford now. so financing is not always as bad as people make it out to be. if you really want something and don't feel like saving for a year then it's good. it would take me a good year or more to save for a new rig. financing works out for others who are in the same boat. sooooooooooooo, to sum it up, yes financing does cost but to some it's worth it.

financing is the root of all evil and is never worth it.

It has nothing to do with not affording it but has EVREYTHING to do with living within you MEANS. Also keep in mind that if you can't make a payment because of an unforseen circumstance (oh i am young nothing will happen to me) you will be cry when you have to liquidate you assets to pay bills. BTW living in DEBT is NOT ok.

 

[insanarchist]

Financing for huge items (cars, homes) is necessary most of the time, but for the love of pete if you can't save up $2000 in a couple months then you can't afford the damned computer. Just my opinion, but hey.

 

[Dan_D]

Financing for huge items (cars, homes) is necessary most of the time, but for the love of pete if you can't save up $2000 in a couple months then you can't afford the damned computer. Just my opinion, but hey.

If you are the type to actually keep the computer a full 3 years, then I'd say financing it would be fine. If you upgrade every 6 months to a year and a bunch of little upgrades in between I'd say don't do it.

 

[erf]

If you are the type to actually keep the computer a full 3 years, then I'd say financing it would be fine. If you upgrade every 6 months to a year and a bunch of little upgrades in between I'd say don't do it.

QFT

 

[CellBlock]

Yeah, I'd have to agree with the last two posts. The reason financing isn't such a big deal for cars and homes is that you keep them for a long time. Generally, much longer than the period you're paying for them.

If you're only gonna keep the computer for a year, don't stretch your payments out over two.

I think the ideal situation to finance something is when you already have enough saved up, but don't want to spend it all at once. I've got about $2000 available right now, but I obviously wouldn't want to blow it all at once. However, I could easily put several hundred down up front on a financing deal and get it paid off in a few months.

Some people start freaking out whenever someone mentions financing. Well, some people here on the [H] don't just have rooms full of cash lying around to meet all our desires. The key to financing is, as with anything, moderation.

 

[CanonicalAbstract]

If you are the type to actually keep the computer a full 3 years, then I'd say financing it would be fine. If you upgrade every 6 months to a year and a bunch of little upgrades in between I'd say don't do it.

I haven't done a major upgrade in 5 years, after I do this upgrade I probably won't upgrade for another few years.

 

[Dan_D]

I haven't done a major upgrade in 5 years, after I do this upgrade I probably won't upgrade for another few years.

So for you financing your hardware isn't a bad idea. For me who upgrades more often than alot of people change the oil in their cars, it wouldn't make much sense. I'd be paying on hardware I've already sold or traded off.