Dell Preferred Account

[cap350z]

I opened a Dell Preferred Account credit card a few months back. The bank is CIT Group.

Anyone ever heard of this bank.

Good or bad experiences about the Dell Credit Card. I'd like to hear about them.

Thanks.

[BassBoy]

CIT Bank Private Label Credit

CIT Bank provides private label credit card customer financing, consumer revolving credit and installment financing programs to manufacturers, dealers, distributors, and retailers of consumer-related products and services with annual credit sales of $10 million or more.

Our programs, which include white label consumer revolving credit and installment products, offers your customers a competitive rate, prompt credit decisions, and a fast way to purchase your products. White Label consumer credit products enhance sales and cash flow, and CIT Bank can design a program for you and your customers.

I have a DELL account as well. Opened this account in May 08. From the description above, they primarily offer businesses, like DELL, the opportunity to make credit available for their customers.

[Logan]

I had my Dell account prior to BK but never used it and it remained open with a 4K balance. I used it to buy a tv on the 0 interest program and now paying it off to help rebuild my credit. No bad experiences but no reason to have a bad experience.

Logan

[soleprop]

i included my dell account in my bk; i don't have much positive to say really. they were quick to raise the apr when i missed a payment; they raised it to unrealness and i have paid for the computer i bought from them nearly twice and still the balance climbed. if you can gaurantee you will not ever miss a payment, and they start you at a decent rate, i'd say you might be safe considering it. but otherwise, walk away, fast.

[vleisme]

I also had an account with Dell 0 balance when I filed. I ordered a computer 4 days out of discharge thinking they would pull my credit and then close my account. So far it appears they are going to send me a computer. I used them a few years before BK and paid it off no problems or complaints about their credit services.

[Pinkie86]

I bought my laptop for college and financed through them two years ago. I got a good deal with 0% interest for a year - I paid it off in 10 months, never missed a payment, and then closed the account.

I think they would probably be good for a post BK account.

[scubaman]

I had my Dell account prior to BK but never used it and it remained open with a 4K balance. I used it to buy a tv on the 0 interest program and now paying it off to help rebuild my credit. No bad experiences but no reason to have a bad experience.

Logan

Logan
Did you add them in you BK? I have an account and am still paying on it for a camera I purchased about a year ago I have had the accound for years and paid it off then I use it for Printer ink etc., should I just keep paying or will this be noted to them when I file my BK? Thanks for your help.

[Cali]

I have a Dell account, and never had a problem. It is still open with a zero balance. The few times I used the card, I paid it off in full.

[kiarasam06]

I am personally not a fan of Dell. They were hard when I was filing BK. They eventually summons me and all their Debt collectors were so rude! but thats just me! I would never reopen and account with them.

[Logan]

Logan
Did you add them in you BK? I have an account and am still paying on it for a camera I purchased about a year ago I have had the accound for years and paid it off then I use it for Printer ink etc., should I just keep paying or will this be noted to them when I file my BK? Thanks for your help.

I had opened the account prior to BK and never used them. I bought a TV and used the DELL card to get the 0% interest rate and I figured it would be a good way to get my credit score up.

Logan

[rockyroad]

For those of you that filed and included Dell, did they ask for the computers back? I wonder if I should just pay the $2500 I owe them before filing. I really need my systems to work from home!