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Regular Contributor
blacklotus
Posts: 235
Registered: ‎02-14-2010
0

Re: Best Buy Reward Zone Mastercard

Sirron:

 

Was that the response when you apped for the CitiForward?


TU Fico 736 EQ Fico 730 (December 2012)
Valued Member
sirron
Posts: 28
Registered: ‎02-02-2010
0

Re: Best Buy Reward Zone Mastercard

yes that was it, an electronic reject letter.. I will apply for something else six months or so..

 


Starting Score: 647
Current Score: 697
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Regular Contributor
blacklotus
Posts: 235
Registered: ‎02-14-2010
0

Re: Best Buy Reward Zone Mastercard

I don't understand how Citi approved you for a store card yet declines you for a bankcard!

 

You state that the letter was electronic generated- how did you app was it online?


TU Fico 736 EQ Fico 730 (December 2012)
Valued Member
sirron
Posts: 28
Registered: ‎02-02-2010
0

Re: Best Buy Reward Zone Mastercard

yes applied online with the citi forward, and the home depot in person..


Starting Score: 647
Current Score: 697
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Regular Contributor
blacklotus
Posts: 235
Registered: ‎02-14-2010
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Re: Best Buy Reward Zone Mastercard

[ Edited ]

I hope that you realize that your scores now are maybe one negative item away from being from SUBPRIME to PRIME!

 

I hope you know because the difference between SUBPRIME and PRIME is huge.  I actually don't even think a new credit card is needed to push you the few extra points you need right now but a bankcard would definitely help a little in the future.

 

Once you get your score into the prime range you shouldn't have anymore problems- I'm letting you know this from experience.  You could be -1 FICO point from being in the prime rate zone and only able to get a secured CC.  and you could be +1 FICO point into the prime rate zone and qualify for a gold or plat card!


TU Fico 736 EQ Fico 730 (December 2012)
Valued Member
sirron
Posts: 28
Registered: ‎02-02-2010
0

Re: Best Buy Reward Zone Mastercard

thanks for the advice, i have look on the forums since you asked these questions. I will look into getting the deleted. thanks for your help and how is the weather in the prime area?:smileyhappy:


Starting Score: 647
Current Score: 697
Goal Score: 720


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Frequent Contributor
ladydi
Posts: 278
Registered: ‎10-17-2009
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Re: Best Buy Reward Zone Mastercard

Well i dont need to applied than, because I have a couple of baddies that is paid as well, almost 2 years know......

Regular Contributor
blacklotus
Posts: 235
Registered: ‎02-14-2010
0

Re: Best Buy Reward Zone Mastercard

Just an update:

 

I apped online on MAR 6- I am still waiting for my card and the terms!


TU Fico 736 EQ Fico 730 (December 2012)
Valued Member
sirron
Posts: 28
Registered: ‎02-02-2010
0

Re: Best Buy Reward Zone Mastercard

[ Edited ]

finally got my card on the fifteenth it took 12 days so you will probably see it early next week. their should be a toll free number you can call to check your cl. 


Starting Score: 647
Current Score: 697
Goal Score: 720


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Frequent Contributor
jaystay
Posts: 368
Registered: ‎09-14-2009
0

Re: Best Buy Reward Zone Mastercard

I got denied a few weeks ago and then got a letter in the mail saying they needed to verify my name and ssn. I called them up and after a few verid questions they approved me for 100 lol.


EQ Starting Score: 579 | TU Starting Score: 568
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