Interested in Best Buy CC

Where you can talk about store credit cards, like gas station cards, department store cards, etc.
26 posts
cardcustomerservice
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Location: USA

Postby cardcustomerservice » Fri Mar 20, 2015 4:31 pm

Redneckmedic2012 wrote: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.


You may want to consider a new thread for this. However, no they do not automatically close once paid off to zero balance. It could be a level of inactivity on the account, or a credit review, or you may have requested it done and forgot even. The customer service should be able to tell you an exact reason for closure, if it was noted as closed by customer, or another reason.
Customer Service Rep for a card company

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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Location: New York, NY

Postby JohnChin » Sun Mar 22, 2015 11:03 am

Okay thank you for the advice.

JamesMS
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Location: Fort Worth, TX

Postby JamesMS » Tue Apr 14, 2015 9:07 am

Bigalkescott wrote:I want the Best Buy CC. Trans score is 702 Eq 679 Ex 678 All three have around 18 inqs. Oldest account is 8 months Avg account age is 7. What are my odds of approval. 100% on time payments never ever missed a payment. ;) :D :confused:


I would think that you have a descent chance of getting approved for the card. I was approved for the card a couple of yeas ago with what I believe was a 688 at the time. Good luck.
Main Cards:
Amex BCE
Amex Everyday
Bank of America Cash Rewards
Chase Freedom
Capital One Quicksilver
Citi Thank You Preferred

Spark Cash Back (Business), Amex Plum (Business)

nowipaco
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Postby nowipaco » Tue Apr 14, 2015 10:12 am

It is really hard to not get approved for a Best Buy card. I may or may not have been an employee there, and people with no credit at all were approved for at least one of the options almost every time. You've got to have some baddies in order to get totally declined.

Also, in response to the shady annual fee version tactic: At the end of the application, if you are approved for the Gold Mastercard version with the AF, then there is an option on the screen to either accept that card or to just cancel the application right there. No calls to cancel necessary, an account is just never even opened.

To the OP, you have probably already applied, but I do believe that you would get at least a $1500 CL on a new Best Buy store card.

AmEx ED: $4500 (02/15)
AmEx PRG: NPSL (02/15)
AmEx SPG: $2000 (06/15)
Capital One QS: $3250 (02/13)
Marriott: $5000 (01/16)
Ritz Carlton: $13,500 (09/15)
TCL: $34,750 (Some not shown above)

22 y/o student

JamesMS
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Location: Fort Worth, TX

Postby JamesMS » Thu Apr 16, 2015 8:08 am

cardcustomerservice wrote:You may want to consider a new thread for this. However, no they do not automatically close once paid off to zero balance. It could be a level of inactivity on the account, or a credit review, or you may have requested it done and forgot even. The customer service should be able to tell you an exact reason for closure, if it was noted as closed by customer, or another reason.


I agree with this. I have never heard of a creditor just closing the account because the balance was paid.
Main Cards:
Amex BCE
Amex Everyday
Bank of America Cash Rewards
Chase Freedom
Capital One Quicksilver
Citi Thank You Preferred

Spark Cash Back (Business), Amex Plum (Business)

cardcustomerservice
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Location: USA

Postby cardcustomerservice » Mon Apr 20, 2015 12:23 pm

Just some information I have found as an update:

I don't have an exact timeframe, but very soon, qualifiying customers are going to be able to pick whether they want the Platinum Mastercard or the Private Label store credit card, and if they do not qualify, they will be offered the fee version (the Gold Mastercard.) Of course, if not qualified for even the fee card, it would be straight declined.
Customer Service Rep for a card company

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



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