question

[kegan 10+ year member]

Well last weekend I came up with the novel idea of getting a new TV. I saw in the paper ads that best buy had a deal on TV's 999 and up no interest for 18 months. Wow I thought, perfect time to buy a TV. Well I get to bestbuy and I am turned down by the credit approval thingy and told I will get something in the mail explaining why. Wow that f****** blows.

Anyways my question is, is there any place I can finance me a good tv to make payments on? Im wanting a top of the line TV, just cant afford to buy one at one time.

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[jco1385 5,000+ posts]

go to a bank for a loan? or buy with a credit card (dont do this...)

 

[crunktimes.com 5,000+ posts]

You must have shitty credit if you cant get approved for a 1-2k TV. I would work on getting your credit up or the better choice would be to buy the TV when you have the money saved but I know how nice it is to just put it on plastic and forget about it.

Also why does everyone woo the whole 'No payments until xxxx' deals all those mean is you will probably be sick of your new purchase by the time you make your first payment the only thing it does is delay your debit, I don't know about you but getting out of debit the fastest way possible is the way I usually like to handle things.

 

[JimJ 5,000+ posts]

Save up for one?

I don't know, the idea of making payments on a TV just doesn't sit well with me...

 

[WhoSayWho? 5,000+ posts]

Honestlty, if you have to ask these basic questions then you really need to hold off on buying anything on credit.

One of the worst things you can do to your life is go too far in debt.

You do not need a TV > 1k.

 

[kegan 10+ year member]

The only thing bad about my credit is im a 19yr old. and it wasnt a no payment for x month deal.... It was no interest for 18 months. I could pay a 1-2k tv off in 18 months easy...and with not having to pay interest it is like paying cash for it.

 

[crunktimes.com 5,000+ posts]

Did you try another bank? Any issues with your credit in the past? When I was 18.19,20 I was getting handed credit cards left and right with $1000-$5000 lines on them.

 

[kegan 10+ year member]

Did you try another bank? Any issues with your credit in the past? When I was 18.19,20 I was getting handed credit cards left and right with $1000-$5000 lines on them.

I didnt try any bank at all, just signed up for the bestbuy credit card and was declined. Im not wanting to put it on a CC and will banks actually give you loans for something like that?

 

[WhoSayWho? 5,000+ posts]

So, you got your first lesson when it comes to credit. No interest for 18 months means credit in the 700's. Also, on those no interest deals you need to make certain that it does not say that if it is not paid off by then that your interest is retroactive to day one.

 

[uPsDdOWN 10+ year member]

being a former credit center representative... the BEST Way to help your credit score AND keep yourself out of the evil debt triangle is to save the money...or at least 2/3 of it.. then go ahead and purchase on credit (using reportable means/service of course) then divide your total store purchase up into 4 or 5 EQUAL payments and make a payment for that amount for the 5 months... your last payment will be JUST "Interest." You MUST pay some interest in order to get good credit, or increase your scores (three independant agencies)... thats how the cards make money.. and if you are helping them make money... your score goes up. Paying the Minimum is the worst thing you can do... it actually shows lack of credit worthiness.

just my input.... :shrug:

 

[AVSTANG02]

Well last weekend I came up with the novel idea of getting a new TV. I saw in the paper ads that best buy had a deal on TV's 999 and up no interest for 18 months. Wow I thought, perfect time to buy a TV. Well I get to bestbuy and I am turned down by the credit approval thingy and told I will get something in the mail explaining why. Wow that f****** blows.
Anyways my question is, is there any place I can finance me a good tv to make payments on? Im wanting a top of the line TV, just cant afford to buy one at one time.

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