Best Buy Cardit Cards Issue

[MagicShot]

I have both the Best Buy Rewardzone Mastercard and the Store Card.

Issue with Mastercard: CL is only 800 I would like a better limit but that tell me that CLI is not avalible on my account. Is there any way to get a higher limit on that card such as re-applying? (Note: It has annual fee which they waived for the past 2 years & I got like 300 back in bestbuy bucks too )

Issue with Store Card: my credit limit is only 1150 and to make most purchase in that store for what I want/need would need a higher limit plus I would not charge something that would complely max out my card even if its 0% interest. I think I may be on Plan B. Would like to switch to Plan A

Here is my Credit profile:

Bank	Opened	Balance	Reported	Status	Credit Limit
American Express Blue Sky	02/2011	0	03/2011	PAYS AS AGREED	1000
American Express Zync	02/2011	0	03/2011	PAYS AS AGREED
BANK OF AMERICA	03/2011	0	03/2011	PAYS AS AGREED	0
BANK OF AMERICA	05/2010	0	02/2011	PAYS AS AGREED	5000
BANK OF AMERICA	09/2009	0	02/2011	PAYS AS AGREED	2000
CAPITAL ONE BANK USA	06/2010	80	02/2011	PAYS AS AGREED	750
CAPITAL ONE BANK USA	01/2008	0	02/2011	PAYS AS AGREED	750
CHASE BANK USA, NA	11/2007	0	03/2011	PAYS AS AGREED	700
CITICORP TRUST BANK	05/2010	2,666	02/2011	PAYS AS AGREED	4000
DISCOUNT TIRE/GEMB	01/2011	800	02/2011	PAYS AS AGREED	1500
DISCOVER FINANCIAL S	01/2011	246	03/2011	PAYS AS AGREED	1000
GEMB/AMAZON PLCC	10/2010	800	02/2011	PAYS AS AGREED	1300
GEMB/CARE CREDIT	05/2010	401	02/2011	PAYS AS AGREED	4500
GEMB/GAP	02/2007	169	02/2011	PAYS AS AGREED	800
GEMB/JC PENNEYS	10/2007	0	03/2011	PAYS AS AGREED	2000
GEMB/LOWES	09/2009	50	02/2011	PAYS AS AGREED	5400
GEMB/OLD NAVY	10/2007	0	03/2011	PAYS AS AGREED	1200
GEMB/OLD NAVY DC	02/2011	96	02/2011	PAYS AS AGREED	1800
GEMB/QVC	09/2009	0	02/2011	PAYS AS AGREED	1450
GEMB/SAMS CLUB	10/2010	50	02/2011	PAYS AS AGREED	1500
GEMB/WALMART	05/2008	50	03/2011	PAYS AS AGREED	1175
HSBC BANK Best Buy MC	09/2007	0	02/2011	PAYS AS AGREED	800
HSBC BANK - Orchard	09/2007	0	02/2011	PAYS AS AGREED	700
HSBC BEST BUY Store	11/2010	0	02/2011	PAYS AS AGREED	1150
HSBC YOUNKERS	10/2010	0	02/2011	PAYS AS AGREED	1100
TARGET NATIONAL BANK	10/2007	0	02/2011	PAYS AS AGREED	1000
US BANK	01/2011	116	02/2011	PAYS AS AGREED	500
WFCB/HSN	09/2009	150	02/2011	PAYS AS AGREED	3700
WFNNB/VICTORIA'S SEC	12/2010	50	02/2011	PAYS AS AGREED	$350
Totals		$5,724			47125

The Above is my Revovling Lines...

These Just dropped quite a it due to recent lowered AAoA & Inq's

TU: 687 - 12 Inq's - FICO -  1 PD Collection in '05 agreed to PFD but only removed from EQ and now when I call they wont do anything about it

EQ: 677 - 30 - Inq's -  No Baddies/CO

Ex: 690 - 5 Inqs - Fako - 1 PD Collection in '05 agreed to PFD but only removed from EQ and now when I call they wont do anything about it

I would appreciate any advice on how to get a higher CL on the MasterCard & how to get on Plan A on the Store Card?

Thanks Much

-Magic

[Anonymous]

When I applied for the Mastercard they pulled EQ and I'm in New York, you said you have 30 Inq's.

Why not let the inq's fall off before applying.

BTW are you still getting approved for CC's with that many inq's?

And here I am worried about my 6 inq's =)

[MagicShot]

Yeah, I was at 20 Inq's 4 months ago. I Just got approved for the following is the last few months... Scores were 690-732 4 months ago.

US Bank Visa (500) 1/11

Discount Tire Card (1500) 1/11

Old Navy Visa (1800) 2/11

Discover (1000) 1/11

BofA Signature Visa (5000) 2/11

AMEX Zync (No-Limit) 2/11

AMEX Sky Blue (1000) 2/11

[Walt_K]

I don't know why everyone seems to like Best Buy so much.  In my experience, for lots of things like TVs, their 0% offers are bogus.  They've already inflated the price hundreds of dollars over the competition so the financing is built right in.  If you then mess up and end up actually paying the interest on top of their inflated prices, you're really getting killed.  They do have decent deals on computers at times.  But I think you can get much better deals on electronics via on-line retailers.  Even Crutchfield, which isn't exactly cheap, usually does better than Best Buy. 

In any event, if you're going to burn so many inquiries, you should be looking at cards with better signup bonuses.  The airline cards have been offering crazy deals.  If my scores were in the mid 700s and I wasn't looking to buy a house in the near future, I'd be trying to sign up for as many of the airline bonuses as possible.  Once your inquiries age off and your scores come back up, I'd look at offers like that.  

[Red1Blue]

Dont waste your time with HSBC BestBuy cards. They are very stingy and does not grow with you. I have been trying to get cli for the last two years with no luck. I do buy lot of stuff at BestBuy and pay in full. They never gave me a CLI. Dont blame your self and your inq's for the way HSBC BestBuy Cards behave.

[DI]

Not to take away from the reason of your post, but how did you get so many accounts?  Are any of them AU accounts?

[MagicShot]

No those are all my accounts Except 3 accounts that are joint with my wife that are the discount tires, GEMB(ashley card, & Younkers)

[jefftca925]

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@MagicShot wrote:

No those are all my accounts Except 3 accounts that are joint with my wife that are the discount tires, GEMB(ashley card, & Younkers)

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LOL!!  Now I don't feel so bad....WOW!!  30 inquiries??    But back to your original question... my guess is that your Best Buy account is a plan B account and that is why the limit isn't going up and never will.  I've read that others re-applied at the store and were approved for the plan A account which will give you increases and a better limit.  However, with all of those inquiries and new accounts that might be difficult.  But you can always give it a shot...heck...one more inquiry isn't gonna make that much of a difference at this point. 

[Walt_K]

Check out this recent thread regarding the possibility of switching a plan B card to a plan A card (although according to this poster, it takes a 2 year review period).

http://ficoforums.myfico.com/t5/Credit-Cards/HSBC-Specializing-in-Confusing-Customers/m-p/853862

[MagicShot]

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@DI wrote:

Not to take away from the reason of your post, but how did you get so many accounts?  Are any of them AU accounts?

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Is that a lot of accounts or something? My wife has maybe half as many accounts as I do. but her scores are better because she didnt go on an app spree as I did. I am done apping usless I absolutely need to for something.  I wanted some prime cards with rewards such as AMEX, Discover and BofA, as I will be traveling for work more and more and need higher limit cards for work expenses untill I return from trips and such.

As for the Best Buy Cards would would prefer to have them rasied without closing and taking a AAoA and new Inq hits, so if I cant up the CL's, I will have to wait until my Inq's drop off, and maybe retry to up them.