Re: Best Buy closed me.

LS2982 · ‎04-09-2011

jimbo831 wrote:
Just wanted to add that if you haven't already, you may want to try calling them and asking them to reconsider. It couldn't hurt to try.

+1

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Ortz33__ · ‎11-10-2010

I'll try. Most of the TLs I opened were to grow my credit and develop new relationships and move out of subprime ( i close FP, a CapOne Secured and Orchard this year too) So I opened but closed, and the other cards were Discover, CapOneRewards, Barclays, and JCrew. Haven't missed a payment in over 3 years. Has been a long road, trust me.

bichonmom · ‎05-05-2011

Sorry to hear that; though, I believe the Plan B is high interest and lower CL, if I recall correctly.

Maybe HSBC is cleaning house before they transfer accts to Cap One.

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EQ FICO 741 | TU FICO 745 (Walmart) | EX FAKO 768 | Goal: 800+

Edits, funky spacing and spelling due to my iPad not getting along with the forum editor!

jimbo831 · ‎02-08-2012

Ortz33__ wrote:
I'll try. Most of the TLs I opened were to grow my credit and develop new relationships and move out of subprime ( i close FP, a CapOne Secured and Orchard this year too) So I opened but closed, and the other cards were Discover, CapOneRewards, Barclays, and JCrew. Haven't missed a payment in over 3 years. Has been a long road, trust me.

Definitely explain this when you call them. You have new accounts because you closed older accounts that did not have good terms. Hopefully someone will understand this.

Gardening with: PSECU Combo $1k, Chase Freedom $3.5k, Discover It $1.7k, Amex Costco True Earnings $2k, Capital One Platinum $500, Best Buy Store Card $2.7k

Starting Score: FICO: 587 EX, 594 EQ, 632 TU, 2/15/12; USAA FAKO: 525 EX, 541 EQ, 525 TU, 2/15/12
Current Score: FICO: 678 EX, 629 EQ, 658 TU, 3/27/12; USAA FAKO: 721 EX, 721 EQ, 576 TU, 3/9/12
Goal Score: 700 Across the Board and Amex Zync or Costco By The End Of 2012

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TeeandDee · ‎02-09-2012

Ortz33__ wrote:
I'll try. Most of the TLs I opened were to grow my credit and develop new relationships and move out of subprime ( i close FP, a CapOne Secured and Orchard this year too) So I opened but closed, and the other cards were Discover, CapOneRewards, Barclays, and JCrew. Haven't missed a payment in over 3 years. Has been a long road, trust me.

We totally can relate! Rebuilding credit is a lot of hard work and a long road. I hope it works out and you get them to reopen your account! Please keep us posted!

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Last App: 9/2012
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Ortz33__ · ‎11-10-2010

Should I even go there with paying them over 140 dollars in 2 years just to have a credit card with Orchard?

jimbo831 · ‎02-08-2012

Ortz33__ wrote:
Should I even go there with paying them over 140 dollars in 2 years just to have a credit card with Orchard?

I wouldn't say it like that. Just say that you closed some of your cards to open ones that offerred more favorable terms for you, or better rewards, or both.

Gardening with: PSECU Combo $1k, Chase Freedom $3.5k, Discover It $1.7k, Amex Costco True Earnings $2k, Capital One Platinum $500, Best Buy Store Card $2.7k

Starting Score: FICO: 587 EX, 594 EQ, 632 TU, 2/15/12; USAA FAKO: 525 EX, 541 EQ, 525 TU, 2/15/12
Current Score: FICO: 678 EX, 629 EQ, 658 TU, 3/27/12; USAA FAKO: 721 EX, 721 EQ, 576 TU, 3/9/12
Goal Score: 700 Across the Board and Amex Zync or Costco By The End Of 2012

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Re: Best Buy closed me.

Re: Best Buy closed me.

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Re: Best Buy closed me.

Re: Best Buy closed me.