Interested in Best Buy CC

Where you can talk about store credit cards, like gas station cards, department store cards, etc.
ingramjuan
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Postby ingramjuan » Fri Mar 13, 2015 9:05 pm

This happen to me. I went into BestBuy to purchase a Mac and take advantage of the 18 month no interest. I only applied for the in store BestBuy cc and was approved with a limit of $4500. Well a week later I received a letter informing me that I was not approved for the BestBuy MasterCard, which I didn't apply for although I received the in store card.
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Capital One Platinum (2001) |Capital One QuickSilver World (2002) | Amex Gold Delta (2013) | Best Buy Visa (2013) |Discover It (2015) | Amex Platinum (2015)

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Store Card: Lowes


JohnChin
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Postby JohnChin » Sun Mar 15, 2015 4:33 pm

Is store card best one to start with if have bad credit.

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CarefulBuilder14
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Postby CarefulBuilder14 » Sun Mar 15, 2015 11:02 pm

JohnChin wrote:Is store card best one to start with if have bad credit.


How much use would you actually get out of it? Would you really want to risk a high annual fee?

Or you're just desperate to get any sort of credit?
Wallet: Prestige CSP SchwabPlat Freedom It Hyatt SallieMae AAPlat
SD: Arrival BrooksBros BCE ED IHG
Letting new accounts cool off since May
Really not sure what I'll add next or when

cardcustomerservice
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Postby cardcustomerservice » Mon Mar 16, 2015 8:50 am

If you are okay with a low limit and high annual fee and just desperately want some form of credit to build, it's not too hard to get, and if you love Best Buy then there's that. In my opinion though, it's not a good choice for your first card/bad credit though, as it's kind of a dead end and you'd end up probably closing it after you get good credit eventually, as you most likely have to reapply to be considered for one of their better cards.
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Chase Slate - $8000
Chase Freedom - $5000
Hyatt Rewards (Chase) - $2000
Citi Double Cash - $1000
UPromise Mastercard (Barclay) - $1400
Best Buy Credit Card (Citi)- $1000
Kohls Credit Card (CapOne) -$500
Target RedCard (TD Bank) -$1200
Walmart Credit Card (Synchrony) - $1000
Home Design Card (Synchrony) -$2000

JohnChin
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Postby JohnChin » Mon Mar 16, 2015 12:37 pm

Thank you. Just want some kind credit to get started again, had a couple credit cards long ago, got in trouble did not pay all of it. Paid off now.

ingramjuan
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Postby ingramjuan » Mon Mar 16, 2015 2:49 pm

The APR is very high at 24%, my suggestion is not to carry a balance.
CARDS:
Capital One Platinum (2001) |Capital One QuickSilver World (2002) | Amex Gold Delta (2013) | Best Buy Visa (2013) |Discover It (2015) | Amex Platinum (2015)

Gardening Since: June, 2015

Next Cards:
Personal: Chase Freedom Unlimited
Business: Amex Plum
Store Card: Lowes

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rhipsher
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Postby rhipsher » Mon Mar 16, 2015 10:04 pm

I have and had an 810 score and was denied for a best buy card lol! Go figure. A few weeks later I happened to be at Fry's electronics to buy a new pc and was aproved for a Fry's electronic credit card with a $5k limit. That was six years ago. Needles to say I've done $10k in business with Fry's over the years and none with Best buy. If you walk into a Fry's store you will see very quickly that you could fit 5 best buy stores inside one Fry's store. They are huge and have 10 times more selection. And if you buy the promo items you pay zero interest for 12 months as long as you pay on time and pay it off in 12 months you won't pay any interest. You can't beat that.

RubenMtzJr
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Postby RubenMtzJr » Wed Mar 18, 2015 3:42 pm

I get denied for this best buy credit card when I was starting my credit.
Elan Financial/ IBC Bank- $800 (6/14)
Bank of America- $2,100 (8/14)
American Express Blue Cash Everyday- $5,000 (1/15)
Discover IT- $500 (3/15)
Amazon Store Card- $2,000 (3/15)
Rooms To Go- $2,000 (3/15)
Lowe's- $1500 (3/15)

popamode72
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Postby popamode72 » Thu Mar 19, 2015 8:32 am

JohnChin wrote:Is store card best one to start with if have bad credit.


Fingerhut is really easy to get, even if you have bad credit. No AF on that one. Look into it instead. I'd sure rather have it than putting up with Credit One and First Premier's outrageous fees. Once you've built up your history with it and cleaned up your reports, you can get better cards and dump it.
Macy's TLs (21k), Lowes (17k), CSP (10k), Sam's Club (10k), Nordstrom (5k), AARP (4.2k), Freedom (3k), Discover (1.5k), Quicksilver (2k), BoA (3k), Barclaycard Arrival (2.5k), Amazon Store (6k), Paypal (4.9k), Sam's Club MC (3.6k), Walmart MC (1.2k)

Redneckmedic2012
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Postby Redneckmedic2012 » Thu Mar 19, 2015 9:36 pm

Hey all, new to the forum, I was looking for an answer to a question I had regarding a best buy credit card and figured this was the best place to ask...

Last year I bought a laptop with Bestbuy financing and got the 18 month no interest deal with the best buy card. The card is through Citi. Here is my question, I paid the laptop off with NO problems but when I paid the card off the account closed... i still have the card and made another purchase and it opened a whole new account and closed the other. The only reason it bothers me is because it affected my credit history "age" when it opened the new account and closed the old one. Is that how store cards work? Does it close the account EVERY time you pay a purchase off and open a new account when you make a new purchase? Do regular credit cards do the same when you pay them off completely? Hopefully I made sense. Any info on the matter would be appreciated.



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