Reply
Frequent Contributor
Woolfman
Posts: 498
Registered: ‎01-29-2009
0

Re: Best Buy Card questions

 


gbishere wrote:

Do yourself a favor and go for a walmart card or amazon card. Both of these are GE Money bank and will easily extend you enough credit for a tv of that size. You don't have to waste an inquiry that way.


try to get 0% from walmart :smileyvery-happy:

 


Starting Score: 680
Current Score: 761 From 12/11/2013
Goal Score: 800


Frequent Contributor
tsquad131
Posts: 474
Registered: ‎09-12-2010
0

Re: Best Buy Card questions

I applied for a walmart a month before I got approved for the best buy store card for $1000 and walmart only gave me $300 I really don't think you are going to be able to buy a decent 1080p LCD 32 inch tv for that much. Best buy gives much better limits rather than gemb. Income is also a big issue.
FICO scores - 727 TU(Walmart)/ 727 EX(Amex app)/ 721 EQ(Discover app)
In My Wallet: BankAmericard Cash Rewards($2,000), Discover More($3,000), Chase Freedom($2,000), Fidelity Amex($1,000), Sam's Club Discover($4,400), SallieMae 5% Mastercard($5,000), Amex BCE($2,000) ,Citi Simplicity($2,000), Paypal SmartConnect($3,100), Walmart Store Card($2,350), Chase Amazon Visa($700), Target RedCard($500), Capital One Cash Rewards($750), Best Buy Store Card($1,900), HHGregg($2,000), Amazon Store Card($1,250),Newegg Preferred Account($2,000), Park West($2,000), BankAmericard Travel Rewards($5,000)
Established Contributor
gbishere
Posts: 736
Registered: ‎07-07-2010
0

Re: Best Buy Card questions

You guys have very good points. The best buy store card is not a guarenteed approval for someone who is 620-630

 

Good point on the interest though.

 

I would go to whogavemecredit.com

__________________________
01/11/2011: FICO:TU: 746
12/14/2010: FICO:EQ: 744
08/12/2011: FICO:EXP: 766
New Contributor
cascade159
Posts: 72
Registered: ‎11-20-2009
0

Re: Best Buy Card questions

I seriously doubt you will get approved for the BB 0% financing with anything under a 700 credit score. I applied with a 650 and was offered the MC with a $500 limit. I applied online... was told to call a number for verification... I was then denied the financing but then offered the Reward Zone credit card which I accepted.

EQ: 680, TU 665, EX 615 (FAKO)
Frequent Contributor
Woolfman
Posts: 498
Registered: ‎01-29-2009
0

Re: Best Buy Card questions

 


cascade159 wrote:

I seriously doubt you will get approved for the BB 0% financing with anything under a 700 credit score. I applied with a 650 and was offered the MC with a $500 limit. I applied online... was told to call a number for verification... I was then denied the financing but then offered the Reward Zone credit card which I accepted.


 

If you get the store card , they have deals all the time if you spend a certain amount or buy a certain item you can get the 0% for so many months . It doesnt matter what tier card you have .If you have a store card you can get the 0% financing .  I have the B or 2nd tier card (no CLIs unless they feel generous like they did last dec and gave me a whopping 150)  My credit scores were about 650 or so and i got the store card and the RZMC at the same time.  So i currently have a BB store card at 850 cl a RZMC gold at 750(59af should be next month if they dont waive it , ill close it) and another thats the plat version no af with 650 CL . 

 

I currently put about 1800 a month through the gold version card.  Up to 8200 RZ points currently. So with the DW discount (shes a BB Manager) and the points , The kiddo should have a good christmas! :smileyvery-happy:


Starting Score: 680
Current Score: 761 From 12/11/2013
Goal Score: 800


Established Contributor
gbishere
Posts: 736
Registered: ‎07-07-2010
0

Re: Best Buy Card questions

I have the bb rz mc gold for 100 bucks. the funny thing is I get one collection removed and an authorized user account added and I am now getting prequalified for the platinum no annual fee.

 

When is the earliest I can apply for another RZMC or would I have to cancel my card at 6 months and reapply? Also would having a 6month card closed hurt my AAoA in the longer run?

__________________________
01/11/2011: FICO:TU: 746
12/14/2010: FICO:EQ: 744
08/12/2011: FICO:EXP: 766
Community Leader
Senior Contributor
laz98
Posts: 4,294
Registered: ‎09-06-2008
0

Re: Best Buy Card questions

 


Woolfman wrote:

 

If you get the store card , they have deals all the time if you spend a certain amount or buy a certain item you can get the 0% for so many months . It doesnt matter what tier card you have .If you have a store card you can get the 0% financing .  I have the B or 2nd tier card (no CLIs unless they feel generous like they did last dec and gave me a whopping 150)  My credit scores were about 650 or so and i got the store card and the RZMC at the same time.  So i currently have a BB store card at 850 cl a RZMC gold at 750(59af should be next month if they dont waive it , ill close it) and another thats the plat version no af with 650 CL .


 

that's a lot of best buy cards, LOL!!!

 

i don't know what tier card we have.....we started at $2,000 that went to $2400 and just went to $3200.  yay!  i need (want?need?want?) to buy a lot of stuff...a better tv, a better washing machine, a better fridge......LOL

Latest scores: Walmart TU: 766. MyFICO TU: ---. DCU EQ: 741. PSECU EX: 756.
Epic Contributor
Creditaddict
Posts: 20,013
Registered: ‎10-23-2007
0

Re: Best Buy Card questions


gbishere wrote:

I have the bb rz mc gold for 100 bucks. the funny thing is I get one collection removed and an authorized user account added and I am now getting prequalified for the platinum no annual fee.

 

When is the earliest I can apply for another RZMC or would I have to cancel my card at 6 months and reapply? Also would having a 6month card closed hurt my AAoA in the longer run?


I think it's only 30 days.  I have the Gold and I'm just waiting to be offered the Platinum and I'm going for it!

Fico Scores: EQ 673 DCU, TU 678 Wally, EX 669 Chase(08-31-14)
You will have to put up Electric Fence to keep me in the garden!
Highest Limit: Navy Federal Cash Sigi Visa $50k (AU)
Lowest Limit: Express $300
Over 45 Cards in between :smileytongue:

myFICO is the consumer division of FICO. Since its introduction 20 years ago, the FICO® Score has become a global standard for measuring credit risk in the banking, mortgage, credit card, auto and retail industries. 90 of the top 100 largest U.S. financial institutions use the FICO Score to make consumer credit decisions.

>> About myFICO
FICO Score - The Score that matters
Click to Verify - This site chose VeriSign SSL for secure e-commerce and confidential communications.
Fair Isaac Corporation is a BBB Accredited Financial Service in San Rafael, CA
FOLLOW US Social Media Facebook Twitter Pinterest Google+