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Shop at My Computer Club and Tronix for No Credit Card Computers

Learning how to get a computer with no credit card is actually easier than you would think. Credit cards aren’t needed when you join an online computer club or other site which offers electronic sales with money down deposits. Paying a deposit of 15% to 25% is like putting a down payment on a house or car–it shows the retailer you mean business.

Once you make a down payment, you can walk out of the store with the desktop pcs, laptop notebooks, or the latest tablet computer.

Then you’ll pay affordable monthly rates usually between $10 and $25 a month until you’ve finished paying off your electronics bill. You’ll have to scrape together roughly one-fifth of the cost of computer, but that’s far better than making the full payment.

Understand the total payment for your personal computer is going to be more than if you paid a lump sum all at once. But if that’s what you have to do to get online for work, school, communication, or entertainment, that’s what you have to do. Many online retails vendors which offer you these deals report to the three big credit reporting agencies, so paying for electronics with down payments and installment plans is a way to build your credit history with Equifax, Experian, and TransUnion.

Shopping at My Computer Club

Lima No - Lionel Smit

Living in the Modern World Requires Contemporary Solutions to Generational Problems.

Anybody living in the modern world these days has to use a computer. Unless you get everything down at the computer lab at school, you’ll need a good computing device. Quality brands can be found at the online computer sales clubs.

Let’s take a popular one, MyComputerClub, as an example.

When you get to the mycomputerclub dotcom website, you’ll need to sign up. When you sign up, you’ll have to give a credit card information or bank account information (I’d suggest credit card first, since they tend to have a more robust fraud protection).

Then you can search through hundreds of computer, tablets, notebooks, and other electronics. Electronic devices include everything from televisions to computer monitors to gaming devices. When you find the product you want, you click as you would on Amazon and make your purchase.

In this case, the purchase would cost you about 20% of the purchase cost, given or take about 5% in either direction. Brands include Sony, Samsung, Toshiba, Lenova (IBM), Gateway, Acer, Syx, Ultra Evolution, and Hewlett-Packard (HP).

You might think something about this sounds suspicious. I suggest you go the Better Business Bureau website to check out online companies that you think might not be trustworthy. In the case of My Computer Club, I did just that. The BBB gave MyComputerClub an “A” rating out of a possible range of “F” for failing to “A+” for best rating.

It’s a good thing I did, because I found people online posting on message boards saying My Computer Club was a scam. I also found people disputing claims PVC Marketing (My Computer Club) showed up good BBB’s report, though I looked it up myself. One problem is an over-anxious, somewhat obnoxious employee of MCC named “Corey” who goes online to defend his company, but ends up hurting it’s reputation because he’s obnoxious. Apparently, Corey isn’t authorized to defend My Computer Club, so he might be a competitor trying to make MCC look bad, for all I know. That’s more common in online retail than you’d think.

How to Get a Computer at Tronix Country

Tronix Country is another rent-to-own computer and electronics online vendor. At Tronix County, you’ll join a club and get free products along with your purchases. When I say “join a club”, that means you’ll sign a contract. Because this is no credit check, it’s real close to what you’ll get at My Computer Club: pay money down, then pay off the rest in installments.

A lot of people complain about Tronix Country on Internet complaint boards, but most of these people are complaining about either not getting all their free stuff or realizing later they could have bought a similar computer at Walmart or K-Mart for cheaper. From what I can tell, Tronix Co. gives people what they say they’re going to give them (computer) and has good brands like Dell Computers. But that does bring me to one other point.

How to Get a Computer at Walmart

Again, if you want to get a computer with no credit card, go to Walmart and put a computer on layaway. This might be an old school payment plan, but it works. People on these forums always tell the no credit consumers they should save their money or set it aside and then pay it off in cash.

That’s a great idea, but many people don’t have a lot of fiscal discipline. Layaway is a way you can set money aside month-by-month and not have that temptation all the time. When it’s paid off, you get your computer. This may take longer, but it works.

Many people won’t have to use layaway these days. The inception of the tablet computer means laptops are cheap these days. As of September 2015, Wal-Mart offers Toshiba and Hewlett-Packard computers for $200 apiece. These might have 4GB or 8GB of memory, but remember, these were considered industry-standard 5 years ago.

Getting Computers at Penny Auctions

One place I would suggest you not buy a computer is one of these penny auction sites. I kept seeing these Quibids commercials featuring the attractive blonde with the breezy way of talking, so I looked them up. They’ll tell you people can win auctions for $1,000 computer for $22 and whatnot, but they don’t tell you the pennies you bid with actually cost 60 cents to buy. So that $22 purchase might actually be sixty times what they say the cost is. I don’t like trickery, so I’d suggest you stay away.

 

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