Reply
Valued Contributor
dodgerslv
Posts: 1,681
Registered: ‎06-16-2012

Best Buy Card

Gpt a question and maybe someone can enlighten me on how to proceed. I had applied for a Best Buy Credit card about 3 week ago online cuz wanted to purchase an ipad and laptop. Unfortunately my app was declined due to "unable to positively verify identity". They HP EQ but havent received letter or anything. I was doing some research on others who have had the same reason and noticed it is a big headache to try to recon with them. Some people have had they reports pulled multiple times cuz of this. Should i even bother to call at all and plead my case? or just leave it alone and apply later down the road when i am at the store or when Citi takes over. Im in a serious gardening journey right now and dont want anymore HPs on my reports. Anyone had any success getting their application approved after same reason for being denied?

 



biggest limits: BofA Privilege (33K)/ Citi AA WEMC (26k)/ Penfed Rewards (22.5k)/ Chase United Explorer (22k)
Fico 08 scores (6/21/14) EX: 758 TU: 759 EQ: 755 (high Utilization for me at the moment @10% so gardening mode).





Frequent Contributor
MrCredit
Posts: 421
Registered: ‎11-13-2008

Re: Best Buy Card

It sounds to me like they just want to verify some things. I would call them and ask for the status they may just get out of the way what they need to verify when you call them.

 

PSECU Visa $20,000, Amex SPG $1,000, (What a joke!) Amex Platinum NPSL, PSECU LOC $20,000, BOA Amex $18,500,Fidelity Rewards Amex $10,000, Fidelity Rewards Visa Sig $7,500, Citi Diamond Preferred MC $8,300, Citi AA Advantage $8,500, WF Plat $10,000, Chase Sapphire Preferred $19,000, Chase Marriott Rewards $17,000, Lowes $10,000 (For the life of me they wont go above this),Kohls Charge $1,000
Valued Contributor
dodgerslv
Posts: 1,681
Registered: ‎06-16-2012

Re: Best Buy Card

[ Edited ]

MrCredit wrote:

It sounds to me like they just want to verify some things. I would call them and ask for the status they may just get out of the way what they need to verify when you call them.

 


wouldnt it normally have a listed on the denial letter saying to call them to verify identity? Thats what i assumed but really dont know who to call? do i call Best Buy or Cap1? Im surprised i havent received any letter stating the reason and my score that was used.



biggest limits: BofA Privilege (33K)/ Citi AA WEMC (26k)/ Penfed Rewards (22.5k)/ Chase United Explorer (22k)
Fico 08 scores (6/21/14) EX: 758 TU: 759 EQ: 755 (high Utilization for me at the moment @10% so gardening mode).





Frequent Contributor
MrCredit
Posts: 421
Registered: ‎11-13-2008

Re: Best Buy Card

Best Buy card I believe is issued by Cap One. Maybe someone can chime in with a number to call for them. It may be the same one as the old HSBC number.

 

PSECU Visa $20,000, Amex SPG $1,000, (What a joke!) Amex Platinum NPSL, PSECU LOC $20,000, BOA Amex $18,500,Fidelity Rewards Amex $10,000, Fidelity Rewards Visa Sig $7,500, Citi Diamond Preferred MC $8,300, Citi AA Advantage $8,500, WF Plat $10,000, Chase Sapphire Preferred $19,000, Chase Marriott Rewards $17,000, Lowes $10,000 (For the life of me they wont go above this),Kohls Charge $1,000
Frequent Contributor
MrCredit
Posts: 421
Registered: ‎11-13-2008

Re: Best Buy Card

No it doesnt always list what they want. The letter is your indication to call them. Have a copy of your EQ or know whats on it, in case they start asking questions from the CR. It could be also because of a recent address change or something like that if applicable.

 

PSECU Visa $20,000, Amex SPG $1,000, (What a joke!) Amex Platinum NPSL, PSECU LOC $20,000, BOA Amex $18,500,Fidelity Rewards Amex $10,000, Fidelity Rewards Visa Sig $7,500, Citi Diamond Preferred MC $8,300, Citi AA Advantage $8,500, WF Plat $10,000, Chase Sapphire Preferred $19,000, Chase Marriott Rewards $17,000, Lowes $10,000 (For the life of me they wont go above this),Kohls Charge $1,000
Valued Contributor
dodgerslv
Posts: 1,681
Registered: ‎06-16-2012

Re: Best Buy Card


MrCredit wrote:

Best Buy card I believe is issued by Cap One. Maybe someone can chime in with a number to call for them. It may be the same one as the old HSBC number.

 


i read here that someone try to proceed with recon and costed him 2 or 3 HPs to finally get the card. I think he was told to apply in store and would use the reference number on the application to approve. Well, i may just wait till next year or maybe december (before Xmas) to re-apply.



biggest limits: BofA Privilege (33K)/ Citi AA WEMC (26k)/ Penfed Rewards (22.5k)/ Chase United Explorer (22k)
Fico 08 scores (6/21/14) EX: 758 TU: 759 EQ: 755 (high Utilization for me at the moment @10% so gardening mode).





Valued Contributor
dodgerslv
Posts: 1,681
Registered: ‎06-16-2012

Re: Best Buy Card

[ Edited ]

MrCredit wrote:

No it doesnt always list what they want. The letter is your indication to call them. Have a copy of your EQ or know whats on it, in case they start asking questions from the CR. It could be also because of a recent address change or something like that if applicable.

 


true. Well going to best buy next weekend so maybe someone over there can call the right department and get something going. actually going to check to see when was the pull done cuz you only have 30 days.



biggest limits: BofA Privilege (33K)/ Citi AA WEMC (26k)/ Penfed Rewards (22.5k)/ Chase United Explorer (22k)
Fico 08 scores (6/21/14) EX: 758 TU: 759 EQ: 755 (high Utilization for me at the moment @10% so gardening mode).





Frequent Contributor
MrCredit
Posts: 421
Registered: ‎11-13-2008

Re: Best Buy Card

I do not see any reason for them to pull your credit again or give you any more HPs. The only reason I see if they want to look at other CRs. I think they may have done that already if that was their intention. From what I understand they pull EQ exclusively. I know that Bestbuy had two banks that issued their cards at one point, HSBC (now Cap One)  and someone else.

 

PSECU Visa $20,000, Amex SPG $1,000, (What a joke!) Amex Platinum NPSL, PSECU LOC $20,000, BOA Amex $18,500,Fidelity Rewards Amex $10,000, Fidelity Rewards Visa Sig $7,500, Citi Diamond Preferred MC $8,300, Citi AA Advantage $8,500, WF Plat $10,000, Chase Sapphire Preferred $19,000, Chase Marriott Rewards $17,000, Lowes $10,000 (For the life of me they wont go above this),Kohls Charge $1,000
Mega Contributor
LS2982
Posts: 15,434
Registered: ‎04-09-2011

Re: Best Buy Card


dodgerslv wrote:

Gpt a question and maybe someone can enlighten me on how to proceed. I had applied for a Best Buy Credit card about 3 week ago online cuz wanted to purchase an ipad and laptop. Unfortunately my app was declined due to "unable to positively verify identity". They HP EQ but havent received letter or anything. I was doing some research on others who have had the same reason and noticed it is a big headache to try to recon with them. Some people have had they reports pulled multiple times cuz of this. Should i even bother to call at all and plead my case? or just leave it alone and apply later down the road when i am at the store or when Citi takes over. Im in a serious gardening journey right now and dont want anymore HPs on my reports. Anyone had any success getting their application approved after same reason for being denied?

 


800-811-7276

 

Call tommorow, good luck!!!




Silver Spade Garden Club Member - Last App 12/16/13 - Looking for a clean slate NO INQ's / Diamond Inspired!
Starting Score:
EX (PLUS) 583 EQ FICO 565 TU FICO 590 3/15/2011 / Goal Scores: 720
Current Score: EX FICO (PSECU) 671 (myFICO) N/A / EQ FICO 679 / TU08 FICO 678 / TU VS 706 3/6/2014
Valued Member
oztsvi
Posts: 37
Registered: ‎04-05-2013

Re: Best Buy Card

i had the same problem, i called they said i have to apply in person at a best buy store.

and i have to wait 90 days if i want to apply again.

transamerica financial adviser, director of expansion.

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
Fair Isaac Corporation is a BBB Accredited Financial Service in San Rafael, CA
FOLLOW US Social Media Facebook Twitter Pinterest Google+