Credit experts, please help me out on this one?
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Yes you do have other choices.
1. Have you called your current credit card company and asked them to increase your limit?
2. Save the money to pay for it all, or at least enough so you can pay the difference on your current credit card. Yes this will take longer, but it will make your Dream Guitar more so because you actually have it paid off.
3. Does the shop have a layaway program? If so this is also something you might want to look into.
Credit experts, please help me out on this one?If I were you I'd be finding out why you get turned down for loans with a good credit score....Ask the music store if financing is available...If you can get a no interest credit card for the first year of even 6 months that might help.
Credit experts, please help me out on this one?Are you applying for a loan where you bank? Or better yet at a Credit Union where you might do business? These are the people that know a little of your financial history and most times will have a more resonable charges. If you could come up with a 30% down payment maybe the guitar owner might finance you? Probably not, they want the money. Applying for a credit card and almost maxing it out is not a good idea.
Credit experts, please help me out on this one?well, how long have you had this credit card? and also, if you are under 21, then your limit will not be very much. if you are young, that could be a reason that they are denying your loan application, but keep in mind, that every time you get denied, that brings your credit score down a little wee bit. have you thought of asking the place you are buying the guitar if you can make monthly payments? that way you wouldn't be getting interest added on if you are just dealing with the person directly. $850 is a lot for a guitar, and i understand that it is your dream guitar, so i think you should go for it if any way possible. but then again, if your card is $1000 why not just use the card for it? you can pay it off and it will be fine with your credit score. if you don't keep a balance, or a small one, it will help your credit more than closing it. i hope i helped:)
Credit experts, please help me out on this one?You can visit http://www.cashguru.info and find very useful tips and several articles on credit related matters.
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