newbiecredit wrote:i just pulled the trigger for best buy store credit card. at first i was afraid that they will give me a 300... FYI best buy store credit card is now under capital one. i waited for a few seconds waiting for the sales guy to talk. was shocked they gave me 1,000 credit limit. yes! so immediately bought the macbook pro after i got approved. i just added coz it dint fit. gave me 18months financing 0 interest which is good. planning to pay it off in 6-8 months at least. best buy has good financing , anything over 429 is 18mos 0%. i went with best buy since they have 18 mod compared to Barclaycard.. and Barclaycard only has introductory financing for new card holders.. so i just tried best buy cc. i didn't do any inquiry for 6mos coz we were thinking of getting a car end of this yr.
Congrats to you!
If you do go for Barclaycards, they may well initially decline you. But you can call and speak with a credit analyst and probably get a recon. I applied in January online and they declined me. I called and spoke with an analyst who asked some questions and then approved me for 2500. Sad thing is I really never used it, so I learned that you don't apply for cards just to get them, go for what you really want and will use, but that's a different story. Just hope this info is useful to someone.
And one other thing about Barclaycards - I don't have personal experience with this but I've HEARD that for the first 6 months after you open an account with them, they watch you like a hawk and do not like to see inquiries and new accounts during this time so just be aware of that (Cap One couldn't care less so you are good there).