Well to share my personally experience with purchasing TT kits or large modding purchasing. I've always let my criedt work for me. With 0% balance transfers I use my Chase %5 cash back and transfers offers.
5% pays off the 3% fee for the transfer and than I have 0% for 12 months.
Anyone with a 600 beacon score and 50k plus annual income can afford a TT kits. It's all about managing your money for the end goal.
Just my 2 cents.
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