Silly asus financing question...

I've decided to buy the asus a8js and i'm trying to find just one site that will allow me to split the payment of said computer between 2 credit cards. I'm not even sure who to ask aside from just calling every company that carries asus, which i've contacted a few who don't offer this payment method. Does anyone know of a retailer that does?

 

Did you try btotech/geared2play ? I purchased my a8js through them, good price going for it. They took credit cards, but you'll likely have to call to sort that out.

 

Hey thanks for the advice, i'll check them out. You're probably right though, i'll have to call to see if they offer split payment.

 

We've done it on a few occasions and it's honestly a bit risky for us. It's a royal pain and there are twice the tranaction fees, but technically we need to make two custom products up for you and have you purchase half of it on one card and then the other half seperately on another order with another card. I can understand why no one would do it, but I do need to ask this question..... Have you requested with your credit card company to raise your limit just for a day so you could buy the notebook? Sometimes credit card companies will temporarily do that - especially for a bigger one time purchase. Also, I'm going to guess you're a college student because I know till you get out of school, credit card limits are often only about $1,000 - but we're not talking about a $3,000 computer either.... so they should bend with you..

 

Nice call! I actually just completed college, but nonetheless i don't currently have any credit cards over that limit. The crazy thing is i have pretty good credit, yet dell is the only company that would extend me a good enough credit line. Not that it matters much because i've heard plenty enough about dell's financial support and i've opted not to buy a laptop through them anyway. Thank you for the information though, i really do appreciate it. Oh and by the way...i have not talked to my credit card company, but it's certainly worth a shot. Thanks again.

 

One thing that I know often gets by a lot of rules are notebook computers - both in situations like yours... and duties on importing them to other countries... I'm sure Bill Gates gives everyone a cut to make sure they're as accessible as possible.

Also, are those two creidt cards you have with the same bank - chase, BOA, first usa, etc? If so, they also could merge your cards into one with the limit of both (I know I just did that today to lighten up my wallet)....

But like I said, we don't make a practice out of it because sales basically has to set up a two-part product for you (legally). Yeah it's more paperwork and stuff to keep track of, but if there's no other option - and I know mentioning you're a forum member won't hurt - but they'll put it off because they get a lot of people who say:

"well, i want miles on this card, and i don't want to put too much on the amex because i'll have to pay it off at the end of the month, and this other card is new so I want to build credit..."

... that's when you really wish you had a mulitple card processing fee..... but for the poor college student, it's totally understandable.

 

Yeah, that makes perfect sense and it really does sound like a royal pain as far as paperwork, fees, etc... as you mentioned. Well, i do in fact have two credit cards from the same company, so i'm going to give that a shot for sure because to be quite honest, i would rather not have to use two credit cards to purchase a new laptop...especially considering how ultimately inexpensive it is!
One thing i won't do is settle with something i don't want and after researching new laptops ad-nauseum the past few months i'm definitely set on the A8js. I'm going on tour next month, so i definitely need to get it before then so i can do a little gaming inbetween shows! At any rate, i've just checked out your website and i'll definitely look to you guys when it comes time to buy. Once again, thanks for all the info, you answered a lot of my questions.

 

On tour? You don't need to mention in the forum, but curious as to what you do - especially since you just got out of college. I know a handful of musicans that frequent the forums and that everyone would know if they didn't want to stay anonymous.... perhaps musicians just have better taste ?!

Email me if you need anything... and the credit card advice is on the house... welcome to the forum!

 

Depending on who the card is from you might want to have the retailer try and run the card, just explain the situation first. I've never actually requested a limit raise on my AMEX, but every time I came near it or went over they went ahead and kicked it up. I've always used AMEX, so I can't tell you what other companies do though.

 

True, you're usually allowed allowed a bit over you're limit (I think it's 20% or so), but you'll get an overlimit fee and that's one thing that can increase your APR.

One time this new person at Asus put a purchase on a company credit card only because they saw it on file instead of our net terms...... well the card that had a super high limit was overcharged some $40-50k and we only got a $35 service charge. I've taken that same card overlimit by $1 and it's a $35 charge. Now, if the credit card was full or near full, it wouldn't have let that pass. but because it was within a certain percentage of what credit was available and it was a single charge.. it went through. Now if if were full or even over by $1, it wouldn't allow a $5 charge, let alone what happen in the above situation.

I'm not saying you'll be able to do that, but the idea behind that credit cards is that you put more on them than you can pay off.. it's your right as an American to stay in debt!

 

I've actually heard similar stories from friends of mine, i know there's definitely much more leniency with credit card companies than they make you believe. I personally haven't had much luck, but that may be because i'm only 24. Thanks for the advice though, i'm definitely going to look into it!

To Pro: I've been reading this forum for quite a few months now, but never actually participated. There's a wealth of info on this website though and i'm glad i found it. By the way, i'm an actor; i do theatre mostly.

 

In case you were wondering...the theatre reference just means that i have no need to remain anonymous, no one would recognize me anyway...haha

 

just a thought.... why not actually go to a store which sells the model you like in your area.... then pay with the two cards... far easier to split the payment if you're in the store than online...

thats all assuming that there is a store nearby with the right model.

or you could pull a nice little move... i did this at work to get money onto my card quickly...

I bought a product (one CC) return it unopened the next day, get the refund put back onto your redit card, but the other one. So now you have a credit balance on you one card. Then pay using it

insane

 

geared2play is in brooklyn..not sure how far that is from you though

 

Acutally it's just as difficult.. it not more so.. try to go to a best buy and even ask that question to a cashier and their head will explode..... and then were are still two transaction fees. The only thing you're changing is instead of having to make two digital items, they'll need to referrence it another way in person........

Like the move you pulled.. I bet that was interesting.

One nice thing about buying out of state is the lack of sales tax. That's why we get just about all online Asus sales from Californian and New York customers.... With tax above 7% in those areas, it adds up.

 

We only have 2 rules for c or paypal
1. Confirmed address only (for cc billing must match shipping)
2. one payment source. In other words 2 cards is not possible
Mainly the reason for this is that it is a huge pain in the rear for me to set up special terms. Given the low markup in the biz i simply dont have the time nor am i willing to spare the effort for one sale. Yes i know how that sounds.
WHy such rules? Well we have a chargeback rate of 1 in 200. We have loss rate of 1 in 2000. Which means we win almost all of our chargebacks. This allows us to remain competetive and in business. The only chargebacks we loose are local orders. People who come in and pay with credit card for various services where no products are shipped. I can affort to loose an 80$ chargeback. A 2000$ chargeback i can not affort to loose. Granted by not allowing a shipping address we loose tons of business but we would loose more money the other route. I am not sure how many of our competitors employ the same policy but it is also a royal pain to have to call the customers cc to find out if the shipping address is legit. We simply dont allow it. Some people complain and curse and hang up the phone on me when i tell them "sorry we do not allow a shipping address for credit card, but you can send a check or wire or confirm your address with paypal". If we had to allow a shipping address we would have to raise the price on everyone by a few % which is alot of money for some people. As I said to the last guy that didnt like this policy but wanted our warranty "find a way to pay us".

 

REally? All? you dont think you over estimated all by like 99%? You may get 1% or less sales from cali on the grand scale. Most of YOUR orders may be from cali. Most of MY orders are from cali. Many from PA where you charge tax, Not many from NY where I charge tax. Was that a typo or do you think that you are responsible for most order of asus laptops from cali? In case it wasnt a typo. That is physically Impossible Justin. Your one site is in the same hit rankings as one of the four sites that we have (geared2play.com). That pretty much means we share common stats in cali. Then you have a hundred other vendors that sell the same all over the country. Some huge like new egg and mwave. mwave alone sells more asus then both of us put together.