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I have always wanted a Best Buy card. Yeah, I'm a typical guy who LOVES that store. My credit has never been sufficient, though. I've always been declined. Thanks to the advice on this board, my scores have come up a good deal. Started in Aug. 07 with an EQ Fico of 572. Now, in Nov my Fico scores are TU 658, EQ 608, EX 639.
So, against my better judgment, I applied online for the Best Buy card. It wasn't an instant approval but after 15 minutes or so the application inquiry site said to call for verification of some items. Excited, I called, but they didn't verify anything. They told me I was not approved for the regular Best Buy card at this time 
, but that they were offering me the Reward Zone Mastercard. The Reward Zone card does not get any of the offers that Best Buy offers such as 90 days same as cash. They said the CL would be $500 and there may be an annual fee. I said NO, Thank you.
, but that they were offering me the Reward Zone Mastercard. The Reward Zone card does not get any of the offers that Best Buy offers such as 90 days same as cash. They said the CL would be $500 and there may be an annual fee. I said NO, Thank you.I am so mad at myself for doing this. Will this one inquiry hurt my score badly?
DS is very much an electronics junkie, and he's my latest recipient of credit haranguing, ummm, advice. He needs a store card, and after reading Brammy's praise of the BB store-card-not-MC, he's looking at app'ing for one. He currently only has two Visa's, Citi and local bank, both with $1K, 14% util, but amazingly his history is clean except for misadventures with an Express card 3 1/2 years ago. He's Mr. Thin File (4 TL's), and his annual income isn't much, but he lives in his own place, which is all that matters. 
His FICO's are EQ 712 - EX 697 - TU 684. I assume that would get him a card, but what kind of CL? He's going BB hunting today, so any info and advice is appreciated! thanks
edit for typo
Message Edited by haulingthescoreup on 11-11-2007 10:29 AM
His FICO's are EQ 712 - EX 697 - TU 684. I assume that would get him a card, but what kind of CL? He's going BB hunting today, so any info and advice is appreciated! thanks
edit for typo
Message Edited by haulingthescoreup on 11-11-2007 10:29 AM
haulingthescoreup wrote:
DS is very much an electronics junkie, and he's my latest recipient of credit haranguing, ummm, advice. He needs a store card, and after reading Brammy's praise of the BB store-card-not-MC, he's looking at app'ing for one. He currently only has two Visa's, Citi and local bank, both with $1K, 14% util, but amazingly his history is clean expect for misadventures with an Express card 3 1/2 years ago. He's Mr. Thin File (4 TL's), and his annual income isn't much, but he lives in his own place, which is all that matters.
His FICO's are EQ 712 - EX 697 - TU 684. I assume that would get him a card, but what kind of CL? He's going BB hunting today, so any info and advice is appreciated! thanks
I say go for it. They pulled EQ in my case and my scores are nowhere near that high (with a BK on record even as old as it is). I would sugggest over the phone or in store cause online they automatically consider you for the MC first. At least thats what they told me. Over the phone or in store he can specify.
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