I don't think the store CC has a fee. The guy I spoke with said that the Chase card was easier *because* it has an AF. Seems odd to me.I don't want an AF card
When you take advantage of these 0% interest for 6-mo offers, does it wreck havoc with your FICO score? I'm guessing that it depends on the CL they give you. But also I wonder how the CCCs feel about people making payments instead of PIF. It seems like a lot of people here charge and PIF each month.
Thanks! 
@bichonmom wrote:I don't think the store CC has a fee. The guy I spoke with said that the Chase card was easier *because* it has an AF. Seems odd to me.I don't want an AF card
When you take advantage of these 0% interest for 6-mo offers, does it wreck havoc with your FICO score? I'm guessing that it depends on the CL they give you. But also I wonder how the CCCs feel about people making payments instead of PIF. It seems like a lot of people here charge and PIF each month.
Thanks!
Its only temporary havoc based on your total utilzation
App'd for Best Buy Store card on 7/2, in store with a $500 initial purchase. Had 692 EQ FICO and 24% UTIL. Approved for $1200 CL. No AF. Score dropped to 690 after inquiry hit (total of 6 on EQ). Account has not posted yet. All of the disclosures I received in the store all stated HSBC, no mention of Chase. I just closed my HSBC BB RZ MC 3 days earlier because after 2 years perfect history with them, they wouldn't give me a CLI. Stuck at $500 for the past year and a half. Other RZMC members had posted about "luv buttons" and CLI's, so I ended up giving them the ax. I've read the store card is more generous with CLI so we shall see.
