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Standard User mrnelster
(eat-sleep-adslguide) Tue 02-Jan-18 18:30:46
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No new pc for nelly for a couple more months then...


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Credit card always takes a bit of a hit at Christmas, so I decided to purchase my new rig through PayPalís buy now pay later scheme (4 months) and save a fair few quid in credit card interest, and with the January sales.

Unfortunately my PayPal account has survived a fraudulent credit application, identity theft if you like. I say unfortunately because......it was in 2015! crazy

Apparently, they spotted it immediately. Seems however, that nobody thought to tell me even though they froze the credit function there and then.
Standard User MrTAToad2
(eat-sleep-adslguide) Tue 02-Jan-18 19:56:21
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Re: No new pc for nelly for a couple more months then...


[re: mrnelster] [link to this post]
 
So they haven't restored the functionality after 2 years !?

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Standard User mrnelster
(eat-sleep-adslguide) Tue 02-Jan-18 23:29:59
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Re: No new pc for nelly for a couple more months then...


[re: MrTAToad2] [link to this post]
 
Better than that. Until today, apparently, it was still showing as a PayPal credit account alongside my normal PayPal account. Thatís why they turned my application down, saying I already had one. I obviously knew that Iíd never applied for their credit account before.

So they blocked it nearly 3 years ago actually, but never progressed to deleting it, or informing me.


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Standard User MrTAToad2
(eat-sleep-adslguide) Wed 03-Jan-18 09:42:59
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Re: No new pc for nelly for a couple more months then...


[re: mrnelster] [link to this post]
 
Just proves how inefficient they are!

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Standard User Chrysalis
(legend) Fri 05-Jan-18 09:08:56
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Re: No new pc for nelly for a couple more months then...


[re: mrnelster] [link to this post]
 
can you get a 0% credit card?

if I remember right you only got your current pc a year or 2 ago?

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Standard User MrTAToad2
(eat-sleep-adslguide) Fri 05-Jan-18 19:03:36
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Re: No new pc for nelly for a couple more months then...


[re: Chrysalis] [link to this post]
 
You can get 0% on transfers or 0% on purchases...

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Standard User mrnelster
(eat-sleep-adslguide) Fri 05-Jan-18 21:02:44
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Re: No new pc for nelly for a couple more months then...


[re: Chrysalis] [link to this post]
 
Two and a half years ago nearly. Itís still fast, but I want a 1080 Ti blower style hybrid, and the case is probably a bit small for that. My daughter is using it for her midi mixer input devices instead of her laptop, as my [hers] 4690k steamrollers it.
Standard User astateoftrance
(fountain of knowledge) Sat 06-Jan-18 21:43:50
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Re: No new pc for nelly for a couple more months then...


[re: mrnelster] [link to this post]
 
That sucks frown

Have you decided on the specs you will go for ?
Standard User mrnelster
(eat-sleep-adslguide) Sun 07-Jan-18 10:19:39
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Re: No new pc for nelly for a couple more months then...


[re: mrnelster] [link to this post]
 
Spec I ordered. Got time to change it now if needs be:

NZXT S340 Elite all black case
Gigabyte K5 Gaming motherboard
EVGA CLC 120 cpu cooler
Samsung 850 EVO 500GB SSD
Kingston HyperX black 2666 RAM
Corsair CX750M modular PSU
Ryzen 5 1600X
EVGA GTX1080 FTW Hybrid
Standard User Lt_Swan
(eat-sleep-adslguide) Sun 07-Jan-18 17:31:25
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Re: No new pc for nelly for a couple more months then...


[re: mrnelster] [link to this post]
 
Blimey that sounds very nice.

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Standard User Chrysalis
(legend) Mon 08-Jan-18 21:22:24
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Re: No new pc for nelly for a couple more months then...


[re: MrTAToad2] [link to this post]
 
I know, I meant can he get accepted for one smile

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Standard User Chrysalis
(legend) Mon 08-Jan-18 21:23:11
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Re: No new pc for nelly for a couple more months then...


[re: mrnelster] [link to this post]
 
ok, just seemed too soon to upgrade, for reference I still run my haswell i5 smile

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Standard User mrnelster
(eat-sleep-adslguide) Mon 08-Jan-18 23:20:01
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Re: No new pc for nelly for a couple more months then...


[re: Chrysalis] [link to this post]
 
Donít need another credit card, just wanted to take advantage of the buy now and pay later [all in one go] from PayPal.

If not Iíll just wait until Iíve paid Christmas down first; a month or two.
Standard User astateoftrance
(fountain of knowledge) Tue 09-Jan-18 20:09:39
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Re: No new pc for nelly for a couple more months then...


[re: mrnelster] [link to this post]
 
Nice, that should be a great rig smile
Standard User MrTAToad2
(eat-sleep-adslguide) Wed 10-Jan-18 11:37:38
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Re: No new pc for nelly for a couple more months then...


[re: Chrysalis] [link to this post]
 
Considering the number of times I get offered them, I'm surprised credit card companies aren't camping on his doorstep...

Or perhaps they are, and being sensible he's fending them off with a flame-thrower...

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Edited by MrTAToad2 (Wed 10-Jan-18 11:38:19)

Standard User Chrysalis
(legend) Fri 12-Jan-18 18:58:52
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Re: No new pc for nelly for a couple more months then...


[re: MrTAToad2] [link to this post]
 
well I see nothing wrong with 0% cards, cheapest form of credit possible, as long as you only ever spend what you can pay back.

Of course the offers in the post come from sub prime card companies I stay away from those cards.

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Standard User mrnelster
(eat-sleep-adslguide) Sun 14-Jan-18 10:35:59
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Re: No new pc for nelly for a couple more months then...


[re: Chrysalis] [link to this post]
 
Credit card companies are the undisputed champion scums of the earth, to anybody who needs the money. Those better off use them as a tool so as to not have to part with their dosh for a few more weeks, and for the added purchase protection. The reality being that those who need them most, pay the interest for those who donít.

Not too far removed from PayPal credit I suppose, when you get down to the nitty gritty, but I still feel more comfortable with them, than with all the other vultures Iíve used over the years.

I remember back around 2009, after the credit crunch. My credit card company wrote to me to say that unfortunately, due to the unanticipated shift in market conditions, they needed to increase my long standing, competitive interest rate of 7.9%......to 15.9%.

Robbing [censored] the lot of them.
Standard User Chrysalis
(legend) Wed 17-Jan-18 21:44:43
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Re: No new pc for nelly for a couple more months then...


[re: mrnelster] [link to this post]
 
some of the loan companies my sister use are worse.

70% APR
refusing to supply statements
increasing monthly payments on a whim, and then going to court if refused claiming default

I am trying to do a final settlement with one of them and they are actively refusing to supply final settlement figure, they just want the monthly payments to go on for infinity instead.

At least the poor subprime cards still follow basic financial regulations, and even poor cards offer the 60 day interest free purchases.

Ultimately the entire credit financial system will always hurt the less well off more, as hey charge based on the perceived risk level, someone with low income, poor credit history and tight finances is likely only going to get credit at ridiculous terms. I agree it can be considered not fair, but credit cards are not alone in this. Even reputable banks have been known to supply loans at over 30% APR.

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Standard User mrnelster
(eat-sleep-adslguide) Thu 18-Jan-18 00:46:12
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Re: No new pc for nelly for a couple more months then...


[re: Chrysalis] [link to this post]
 
My point was more about the fact that those who donít need credit, get to use the card for free, with the added protection that entails [provided for free] whilst those who need to borrow, subsidise them.
Standard User IranianGiraffe
(experienced) Thu 18-Jan-18 14:23:10
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Re: No new pc for nelly for a couple more months then...


[re: mrnelster] [link to this post]
 
Have you seen that the finance for Overclockers I think it is allows for 12months interest free as long as you pay it off in 12 months (think there maybe a small charge for paying off early).
Not sure how there prices would compare for the components you want from them tho as they tend to be cheaper for some and more expensive for others.
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