If you are thinking of obtaining a credit with Dell financial for purchases made from that company, please read this. I first obtained the credit for 4000 dollars to purchase a laptop under the impression that I would have 6 months to pay without interest. It turned out that those financial offers only apply after you have purchased several things from them. After buying a Dell XPS Desktop for 2000 dollars (which technical difficulties deserve another separate review), I was eligible for their financial treats. Then in December my wife gave me as a Christmas gift a Dell Axim Pocket PC and I purchased on my own spare set of stylus, case and screen protector using my credit with Dell financial. To my surprise (not surprise in retrospect) the PDA came with multiple technical problems and I was already fed up with Dell and returned it as well as the parts that I purchased for it. Those parts arrived at their address only a few days after obtaining a return authorization number from them.
I thought that the whole issue was solved but I kept receiving the bill from Dell Financial and accruing interests because Dell customer service did not report to them that I had returned the items.Then yesterday I received a letter from them (after months calling and talking to people in India and other places that do not know about the issue and do not give a damn about your credit) telling me that I had been reported to a credit agency for not abiding by the terms of contract. Who did not abide by the contract? I, that returned the item on time or them that have such a poor communication in their system?
After you read this I hope you reconsider you decision to purchase any Dell product or deal with their financial services. I am done with them and one thing is for sure, my next computer will have a different name on it.