Anyone had success in re-applying for Best Buy?

[Anonymous]

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@Creditaddict wrote:

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you should have no issues getting the best buy mastercard, just make sure you use the pre-approval link to check before applying.  Store card I don't think is all that BK friendly for whatever reason. BK is not an issue for the mastercard, believe me I have 2 bk's and burned HSBC in both BK's and got both a sears MC by HSBC and Best Buy MC

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Is the pre-approval link for this still open to the general public? I thought I just read it was dead and only employees could use it. Did they reinstate it?

[Creditaddict]

well just did search above and clicked on the link that I use to use and it wasn't valid.... so maybe you are right but why would they have taken it away... they have been handing cards out like candy

[Anonymous]

lol. Yep, probably so.

[JM-AM]

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@Creditaddict wrote:

well just did search above and clicked on the link that I use to use and it wasn't valid.... so maybe you are right but why would they have taken it away... they have been handing cards out like candy

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Everyone is cutting back expenses. Pre-qualifying with a soft pull still cost them money with the CRA's. Also the cost of keeping the software updated and working properly. Etc.... 

[scottwagnon]

LOL... YEAH.... LOL... OH MY... life takes unexpected turns. November 1 DENIED..... November 9 APPROVED....

[kysin2014]

Did you apply in the store or online for the Best Buy credit card?  I applied online a year ago and was approved with a recent Ch. 13 BK Discharge.

[kysin2014]

If you really want the Best Buy store card, try applying first at the store.  If declined, wait at least 31 days to re-apply, but this time apply online to see if you are approved.  If you apply in the store, Best Buy will try to get you approved with Chase.  If you apply online, Best Buy will use HSBC for their store brand card.  BestBuy HSBC store card and Rewards Gold MC are both obtainable with a BK since both my wife and I were approved for them.

[pazuzu]

I didn't apply through the pre-selector when it was active b/c it was spitting out $100 cards. To me, that's worse than getting denied b/c your score will get dinged for the new account w/ a  next to nothing CL. 

[JMN]

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@pazuzu wrote:

I think the problem is with Best Buy's credit standards, not HSBC.

I have an HSBC Neiman Marcus card with a healthy  CL. 

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Not exactly. Neiman Marcus costs less to operate for HSBC than it does the Best Buy card, and the NM card makes more money.

The 0% financing is the reason why the Best Buy Store Card is harder to get. They make a lot less on it, so they are selective over who gets it, for obvious reasons.

[Anonymous]

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@jinswaz wrote:

If you really want the Best Buy store card, try applying first at the store.  If declined, wait at least 31 days to re-apply, but this time apply online to see if you are approved.  If you apply in the store, Best Buy will try to get you approved with Chase.  If you apply online, Best Buy will use HSBC for their store brand card.  BestBuy HSBC store card and Rewards Gold MC are both obtainable with a BK since both my wife and I were approved for them.

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I applied in store 11/27/10 and was denied. The only screen displayed that the credit issuer was HSBC so I do not believe they offer cards with Chase. I belive HTSU reported on another post that the Chase branded cards are from customers who previously had Circuit City.