Yup, my wife has one, but I took it and hid it cause its trouble. Its not like a regular charge card, just their own private charge card through some no-name bank.
No but they offer financing through Dell Financial Services.
IMHO you're better off using an actual VISA/MasterCard because:
1) Promo offers like 0% for 12 months
2) Earn points, rewards, % rebates
3) FREE 1 year extended warranty coverage
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