CAROL STREAM, ILLINOIS -- In 2007 I opened a small home-based business and got a Dell Desk top computer. I had $2,000.00 available credit. Within one year, I had to close my business and was left trying to pay all the companies I owed money to. I even joined Consumer Credit Counseling Services. Dell Corporation does NOT participate with decreasing their finance charges nor their percentage rates. The annual percentage rate kept going up year after year. Even with the minimum payments I sent I would be billed $39.00 for late charges (for 1 day or more late) plus $45.94 for finance charges. To make the long story short, I was still paying this computer in 2010. I got a personal loan jut to pay these people off; otherwise, if I continued making the minimum payment of $42.00 a month, it was going to take me 17 years to pay off balance of $1, 390.00 Don't get a computer from Dell on credit. They are not consumer-friendly.