They told me i have $1700 on the card, but i would like to purchase a gaming laptop that is around $2800. I did it through the credit card because i can make a monthly payment of 116 dollars for two years with zero APR. How do i apply for this? The reason i got the card is because i love electronics, and very responsible with credit cards, never missing payments or anything. However i just don't want this card to hurt me in the long run. I want to be able to get at least 2 years no apr. I have excellent credit as it is, so this would be a second credit card

I'm looking at upgrading my PC, well more like just building an entirely new one and keeping the current drives, but yeah.

I'm looking at around $825 after taxes, and I saw that the card gives 5% off if you get approved - anyone know if the card is worth it and what kind of credit score I might need to get approved?

Quick question to anyone with a MC card, have you ever asked for a credit line increase and successfully received one?

MC is the only store cc in my arsenal that I enjoy but it’s of course issued by Wells Fargo and I have never received a CLI from them by formal request. I use it fairly regularly on a yearly basis.

Avg Score is like a 650 @ $4200~ or something like that, have had this card for over a decade now and I’ve been told they even redesigned the card recently. It’s unfortunately I think 1 of 2 cards that are the oldest in my profile too so it’s not going anywhere anytime soon.

Edit: To provide clarity, my score in the past decade has ranged between 600-750~; where current day I avg about 650 until my revolving debts are paid down. My total credit limit amongst all relationships is probably around 28k.

I'm not asking whether or not I will see an increase in my position as I am but I'm wanting to clarify that Wells Fargo does indeed offer increase limits on their 'store-brand' partner CCs and that I'm not being gaslit into thinking that they don't. I've heard some creditors simply don't and that you need to apply again to get a new account to find a higher limit (could be a creditor padding their metrics for new applicants etc, idk.)

In a couple days, I’m going to purchase a decent number of things. I was wondering if getting the credit card is worth it for the 5%, given I could pay it off immediately? Are there any cons to getting this card?

There’s a couple other things I’m concerned about. I won’t be able to buy these things myself since i won’t be near a microcenter for a while. I’m planning on giving the card to some friends so they can purchase what I need (I’m upgrading something, my friends are building a computer, we’re exchanging parts). Is this fine if I’m not physically there? Could they pick up the card for me / use a digital version of it in my place?