03-31-2010 07:16 PM
Just got my first cli from Best Buy. My starting cl was 3600 call the 800# and they cli to 4700. Does any one recall if this is a hard or soft pull?
03-31-2010 07:55 PM
the 2 CLIs we have gotten have been soft pulls, but that was before the new credit card laws, so who knows. a lot of people are now pulling hard pulls when they never used to.
03-31-2010 08:05 PM
Thanks. I hope it is still a soft pull. If you don't mind me asking what have they increased your limit up to? Do they have a cap on the limit? Also how much do you use your card?
03-31-2010 08:09 PM
justwill90, I have had my card for seven months. Do you have a BB store card or the MC?
03-31-2010 08:22 PM
we've had the card for 2 years, i'm sure there's a cap but our limit isn't high enough to know that yet, & our card has a 2400 CL now. we use it mostly for 0% stuff, but sometimes we go in there & buy $100 worth of cds or something that isn't on a promotional period.
03-31-2010 08:23 PM
and we have the store card, which usually has higher credit limits than the reward zone mastercard. from what i have heard, anyway.
03-31-2010 08:30 PM
My card is just the plain store card. I don't get why the store card is harder to get. Isn't it usually the other way around?
03-31-2010 11:39 PM
What 800# did you call. I have been fighting to get an increase for a month now. I then decided to just apply for another card because someone at my best buy said to do so I was approved for another card but i was just angry because they couldnt just give me an increase! Now i have two store accounts a best buy mastercard with a higher limit than my store card and a direct rewards card with a higher limit than my store card!
Forums posts are not provided or commissioned by FICO. Forums posts have not been reviewed, approved or otherwise endorsed by FICO. It is not FICO's responsibility to ensure all posts and/or questions are answered.Advertiser Disclosure: The listings that appear on myFICO are from companies from which myFICO receives compensation, which may impact how and where products appear on myFICO (including, for example, the order in which they appear). myFICO does not review or include all companies or all available products.
* For complete information, see the terms and conditions on the credit card issuer’s website. Once you click apply for this card, you will be directed to the issuer’s website where you may review the terms and conditions of the card before applying. While myFICO always strives to present the most accurate information, we show a summary to help you choose a product, not the full legal terms - and before applying you should understand the full terms of products as stated by the issuer itself.
IMPORTANT INFORMATION: All FICO® Score products made available on myFICO.com include a FICO® Score 8, along with additional FICO® Score versions. Your lender or insurer may use a different FICO® Score than the versions you receive from myFICO, or another type of credit score altogether. Learn more
FICO, myFICO, Score Watch, The score lenders use, and The Score That Matters are trademarks or registered trademarks of Fair Isaac Corporation. Equifax Credit Report is a trademark of Equifax, Inc. and its affiliated companies. Many factors affect your FICO Score and the interest rates you may receive. Fair Isaac is not a credit repair organization as defined under federal or state law, including the Credit Repair Organizations Act. Fair Isaac does not provide "credit repair" services or advice or assistance regarding "rebuilding" or "improving" your credit record, credit history or credit rating. FTC's website on credit.