I applied on line for the Dell preferred credit program— NO interest until January for two Dimension 8400. Only to know that I was not approved for the $5K and that I my order was to be shipped on 1/13/05. I further than asked questions to the person on the other end (which it was VERY hard to understand they English) and I was told that my credit approved was only for 90 days same as cash. I asked what happen to the Dell preferred credit program NO interest until January? I was told that I did not qualified for that, I ask why? I was never given a reason and I further ask if there was a problem with my credit report in which I was told no! So, again I asked why?
After a while I just hanged the phone up because I just could not understand the person on the other line (their English so not very understandable). I followed up with another call and this time I was able to get someone that I could understand a little better (but still has problems understanding what they were saying). Still, I was unable to get a reason and no computers were mailed. The same day I contacted a credit bureau company (a fee of $29.95) and received a full credit report from Equifax, TransUnion and Experian (the same day).
In accordance's with their report there's "No Credit problems" in my history, everything paid on time and with VERY high credit lines from numerous companies. Some paid off and still some with balances; bottom line is that my credit is good condition. Called a second party company (which is my credit union that I dealt with for many years) and asked the loan officer was there any problems with my credit. His reply to me was that my score and credit references was very good! So I asked the Dell person "What is the problem with my credit."
He told me that I was approved for $5000.00 and I can use it, but only for 90 days (same as cash), but I did not qualified for 12 months interest free. This MAKES NO SENSE TO ME AT ALL! Some computer makes up the credit scores and this is how Dell qualifies you for the preferred credit program in accordance's with one emails that I recevied from a Dell Customer Support Rep. (named: Tina Charles) in the Dell Financial Services L.P.
My two computer orders are on hold until we resolve this issue, which now I am thinking of filing a complain with the State of North Carolina Attorney General's Office and also under The Equal Credit Opportunity Act (ECOA) if It qualifies.
I believed that this company has this bait (as I called it); 12 months—Dell preferred credit program, NO interest until January for consumers to get hook on and then order their computers, only to be hit with this HIGH interest rates. What a Rip-off, especially in this country, America, where we are known for Right and Justices. But, I feel that I was not granted the Dell preferred credit program—NO interest until January because my credit lines were paid on tie or before time! So, in order words, the company has nothing to gain from me!
My suggest to others, leave DELL Computers alone and go with Gateway. Maybe they might be better in this department. I purchased a few computers from them in the past and they stood behind their products, services and their purchased orders to include any programs that were in their web site. I went to Dell because, we in our office (federal government) are purchasing so many computers from Dell, I figure they were good; also they have a employee purchase program for Federal/local government. But I know better now, so those employees out there for the federal/local government BEWARE and don't be taken by these folks!
If I can attached all my email from DELL, I'll will. I have nothing to hide.
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