Hey, I am thinking about applying for a Best Buy Store Card and was hoping people had some info about how they are. I searched here and found some old information stating they were being trasnferred to Capital One (I already have their Platinum card, will that help me?) Anyway, I also read they seemed to pull EQ, which would obviously be best for me (look at my sig). Anyway, are these still tough to get and do they still pull EQ? What are some known scores that have been approved?
I am waiting until the last CC balance I have is reported to 0 in a couple weeks to pay for my FICO score, but I anticipate it should be at least 650.
Starting Score: FICO: 587 EX, 594 EQ, 632 TU, 2/15/12; USAA FAKO: 525 EX, 541 EQ, 525 TU, 2/15/12
Well, I meant the store card, but since you mentioned it, perhaps that is all they have? I clicked on the 18 month no interest financing they listed on their website, and applying takes you to an HSBC page. Under the terms, it says annual fee is $39-$59 based on creditworthiness.
Does anyone know if Best Buy still offers a store credit card that has no annual fee?
Edit:
I found this: https://www.esnapw.com/rses/ESnapServlet?MerchantN
That seems to have no annual fee for the main card. Hope they pull EQ, then I should be good.
The store card is harder to get than the BB MC. BB told me that it's because the MC *has* an AF, it is easier to get (they want the fees!). I believe you have to app for one or the other. It's not like some stores (e.g. GEMB), where you app and are approved for the best card and highest CL you qualify for. You app for the store card and are either approved or declined. If declined, then you would need to do a second app (and HP) for the MC, if you wanted to try for that one.
I would probably only app if I were going to make a big purchase and they had a promo interest. Otherwise, I don't think there are a lot of benefits to the store card. And it will be going to Cap One at some point, which IMO, I *don't* think is a good thing. But then, I'm not a Cap One fan. 
I would most likely be applying at the store. I am planning on buying a new laptop in the next month, either from Best Buy or an Apple Store. I am currently leaning towards a Samsung Series 7 from Best Buy that is $999. I will be applying to purchase this with 18 month interest free financing.
As for Capital One, I guess I have a certain loyalty to them. They are me and my wife's only credit card and offered both of us unsecured cards with scores in the 500s. I'm sure I will never get a CLI above my current $500, but I am still grateful they even gave me a card.
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