Anyone Here Used Amazon Visa For Financing?

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Gizmo j

Gizmo j

Golden Member
Nov 9, 2013
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I was thinking of getting a Amazon Visa so I can get the gaming laptop below for $151 for 12 months.

Im just not sure how it works, I never financed anything before.


Would it be better to just buy the laptop with a regular credit card from Bank of America?


Screenshot_20250309-222527.png
 
BoomerD

BoomerD

No Lifer
Feb 26, 2006
65,607
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Depends on your BoA interest rate. The Amazon/Chase card carries a pretty high rate. IF you can get in on one of their "Apply for an Amazon card. If you're approved, you get $200 off," deals...and pay it off immediately...OR, use their zero interest equal payments deal, then it's not too bad.
 
pete6032

pete6032

Diamond Member
Dec 3, 2010
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Gizmo j said:
I was thinking of getting a Amazon Visa so I can get the gaming laptop below for $151 for 12 months.

Im just not sure how it works, I never financed anything before.


Would it be better to just buy the laptop with a regular credit card from Bank of America?
Click to expand...
Instead of paying $1800 once to buy the laptop, you pay $151 per for 12 months. It's as simple as that. If you are approved for the Amazon card it looks like you don't have to pay any interest on this particular purchase.
 
DAPUNISHER

DAPUNISHER

Super Moderator CPU Forum Mod and Elite Member
Super Moderator
Aug 22, 2001
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That laptop is a horrible value, do not want.
 
lxskllr

lxskllr

No Lifer
Nov 30, 2004
59,071
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DAPUNISHER said:
That laptop is a horrible value, do not want.
Click to expand...
But it's a GAMING laptop! :rollseyes:

Instead of a credit line, a reliable good paying job is a smarter move. One would know this if they even take a passing look at the news, and have the cognitive ability to beat a potato at checkers. Once that good paying job's secured, get an axe, and lots of canned goods. The canned goods will keep you going for awhile after everything goes tits up, and you're let go from your "secure" job, and the axe will get you everything else.
 
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G

Greenman

Lifer
Oct 15, 1999
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The one year interest free is a good deal, but keep in mind if you're ever late on a single payment they're going to butt rape you and jack that interest rate way up.
 
Chaotic42

Chaotic42

Lifer
Jun 15, 2001
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In general, if you can get a credit card that gives you points toward something you want and you pay it off in full every month, you can do ok. Don't actually go into debt for something like that unless it's an emergency, which it almost certainly isn't.
 
sdifox

sdifox

No Lifer
Sep 30, 2005
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Jesus, don't start getting into debt when you are on social assistance!
 
Brainonska511

Brainonska511

Lifer
Dec 10, 2005
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dullard said:
$1821 for a laptop with a two year old CPU? Who cares if one credit card saves you a few dollars over the other credit card. You are getting royally screwed from the start price.
Click to expand...
Also, most people that want to game should probably just avoid "gaming laptops" in the first place. Better off buying a desktop - lots of budget gaming plans available with PCPartPicker.
 
dullard

dullard

Elite Member
May 21, 2001
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Brainonska511 said:
Also, most people that want to game should probably just avoid "gaming laptops" in the first place. Better off buying a desktop - lots of budget gaming plans available with PCPartPicker.
Click to expand...
I agree. Such worse performance and higher price, just to sit at a different location when gaming (in a position which is likely awkward and tiring).
 
nakedfrog

nakedfrog

No Lifer
Apr 3, 2001
61,078
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The Amazon Visa offers a 1 year warranty extension IIRC, dunno if your BoA card offers the same. Do you have a good enough credit score to believe you'll be approved a $2,000 credit limit?
 
sdifox

sdifox

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Sep 30, 2005
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nakedfrog said:
The Amazon Visa offers a 1 year warranty extension IIRC, dunno if your BoA card offers the same. Do you have a good enough credit score to believe you'll be approved a $2,000 credit limit?
Click to expand...
He is on social assistance...
 
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Gizmo j

Gizmo j

Golden Member
Nov 9, 2013
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DAPUNISHER said:
That laptop is a horrible value, do not want.
Click to expand...

dullard said:
$1821 for a laptop with a two year old CPU? Who cares if one credit card saves you a few dollars over the other credit card. You are getting royally screwed from the start price.
Click to expand...

The laptop I posted is the cheapest I can find with a RTX 4080, which is the cheapest laptop GPU with PS5Pro performance.
 
dullard

dullard

Elite Member
May 21, 2001
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Gizmo j said:
The laptop I posted is the cheapest I can find with a RTX 4080, which is the cheapest laptop GPU with PS5Pro performance.
Click to expand...
Cheapest is often the worst choice for just about anything. It is basically a guaranteed ripoff.

What would you rather have, 1 pizza for $10, or 100 pizzas for $11 delivered whenever you want? The 1 pizza is cheapest.
 
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lxskllr

lxskllr

No Lifer
Nov 30, 2004
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Poor people don't get new laptops. They go to the pawnshop and get what they can afford.
 
Brainonska511

Brainonska511

Lifer
Dec 10, 2005
27,468
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Gizmo j said:
The laptop I posted is the cheapest I can find with a RTX 4080, which is the cheapest laptop GPU with PS5Pro performance.
Click to expand...
The question is, do you need a mobile RTX 4080, or would you be better suited with a cheaper desktop rig that you could also upgrade in the future as your needs evolve? What are your needs (eg, what games, what screen resolution, what frame rate) and what is your budget?

But it's also your money, so feel free to just flush it away on a bad gaming laptop.
 
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balloonshark

balloonshark

Diamond Member
Jun 5, 2008
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I would be saving all the money you can right now instead of spending. The economy is going to shit.

When I got my prime visa they had the $200 credit that boomer mentioned. I got the credit the second I was approved and used it to purchase my first 4k tv. It saved me 20% and I paid off the card before getting hit with interest. The only recent credit I had was from my first capital one card which only has a $500 limit. Amazon gave me a $2000 limit which is nearly double my monthly income.
 
Chaotic42

Chaotic42

Lifer
Jun 15, 2001
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If your financial situation is as dire as everyone says, don't get the card or the laptop. Use a gaming system as a goal to fix in your mind and start your path of financial independence. Think years, not months. I know it's not fun, but embrace the suck, make a plan, and execute it step by step.
 
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