How are we supposed to offer suggestions without basic information like budget? Nobody is going to suggest going with a pre-built system anyway since you get more for your money if you build it yourself.
well i tried to apply for the dell preffered account, got deneid, now i tried for bill me later got denied.. wtf mann i got the money why dont u want it=[
Are you trying to get financing for the PC? Personally I would never finance a PC or any electronics for that matter unless I had an absolute need for my job. It is a much better idea to save up money for the PC than adding a monthly bill and paying interest. If you are incapable of setting aside the money somewhere without using it then you probably can't afford an extra monthly bill either.