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New Contributor
ItchyAppFingers
Posts: 96
Registered: ‎07-31-2012

Re: Best Buy mastercard?

I have the BBRMC. It was one of my first CC I obtained back in my Credit newbie days. I got the Gold version which comes with the $59 AF. Now 2 years later after having this card I requested a CLI and got bumped from $500 to $800. I'll take it as it is one of my highest CL at the moment :smileywink:
My Current Plastic: {Amazon Store Card} {Amazon Visa} {Amex Zync} {Amex Gold PRG} {Amex BCE} {Bloomingdales} {BOA 123 Cash Rewards} {Capital One Platinum Visa} {Chase Freedom Visa} {Discover IT} {Kohls} {Macy's} {Nordstrom} {SonyCard Visa} {Target RedCard}
Frequent Contributor
Mike360
Posts: 433
Registered: ‎03-19-2010

Re: Best Buy mastercard?

Just because CapOne took it over doesn't mean they don't give credit limit increases. If you have the Store Card it's a great card. If you have the MasterCard with the low limits and AF ...not so much...

~~In my wallet: Best Buy $7500, Dell Preferred $5500, Discover IT $4000, Chase Freedom $3500, Barclays NFL Extra Points $3300, Sears $2800, Bill Me Later $2100, CapOne Platinum $2000, Kohls $1500, Target $200
Mega Contributor
LS2982
Posts: 15,434
Registered: ‎04-09-2011

Re: Best Buy mastercard?

I'd make sure to run a few small charges through it so they don't axe you for inactivity.



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 Contributor
creditnocash
Posts: 2,185
Registered: ‎07-23-2012

Re: Best Buy mastercard?

from what ive read here and from personal expierience. 

 

even though cap one bought out the card they still run with the same process. (of hsbc) 

as in soft pulls for cli. 

 

i got mine in october of '10 and asked from a cli in july/august cant remember. 

it was a soft pull.  denied but because of low score due to my mothers credit. (joint account) 

her score listed was 615 mine is 710.

 

ive checked our reports and we dont show inquries from hsbc or cap one. 

 

it may be a ymmv thing though so just a joist of hope. 

Current: Discover Fico 689 7/14 Walmart Fico 682 7/14

Inquiries (24 Months): EQ 8 TU 5 EX 5 | Most Recent: 09/04/2013
2 Inquiries in The Last 12 Months


2014 Goals:
Lower Utility

Amex Zync(Unicorn)
Chase Freedom$1500
Discover IT$2900
Citi Diamond Preferred$6000
Citizens Mastercard$7000
Established Contributor
lithium78
Posts: 929
Registered: ‎07-30-2011

Re: Best Buy mastercard?

They have a pretty good deal right now with the Best Buy Mastercard for the month of Sept. where if you make 3 purchases of $15 or more in the categories of gas, restaurants, or grocery stores you get a $10 statement credit.


Starting Score: TU: 566
Current Score: TU: 741 (Discover FICO); EQ: 755 (MyFico) EX: 774 (FAKO)
Goal Score: 800

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Valued Contributor
armbenderc
Posts: 1,339
Registered: ‎09-11-2012

Re: Best Buy mastercard?

I have BestBuy MC with AF for 4 years now. It was one of my first CC. CL is still 400.

 

Anyway, it's getting axe'd soon.

2013 Approvals: Discover IT - 3/1, Amex BCE - 3/4, CSP - 5/4, Barclay Ring - 6/12, BoA Privileges Cash - 6/27, Citi TY Preferred - 8/6, OCCU Duck - 11/4, USBank (Cash+) - 11/22, Wells Fargo - 12/21, Nordstrom - 12/29

12/19/2013, $100k+ Available Credit. Total Util: 0-1%
Mega Contributor
LS2982
Posts: 15,434
Registered: ‎04-09-2011

Re: Best Buy mastercard?


armbenderc wrote:

I have BestBuy MC with AF for 4 years now. It was one of my first CC. CL is still 400.

 

Anyway, it's getting axe'd soon.


Have you requested a CLI recently?

 




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 Contributor
armbenderc
Posts: 1,339
Registered: ‎09-11-2012

Re: Best Buy mastercard?


LS2982 wrote:

armbenderc wrote:

I have BestBuy MC with AF for 4 years now. It was one of my first CC. CL is still 400.

 

Anyway, it's getting axe'd soon.


Have you requested a CLI recently?

 


Never did, and never used it for over 2 years. First year, I max'd it out and paid monthly until it was paid off. After that it was music on itunes.

 

2013 Approvals: Discover IT - 3/1, Amex BCE - 3/4, CSP - 5/4, Barclay Ring - 6/12, BoA Privileges Cash - 6/27, Citi TY Preferred - 8/6, OCCU Duck - 11/4, USBank (Cash+) - 11/22, Wells Fargo - 12/21, Nordstrom - 12/29

12/19/2013, $100k+ Available Credit. Total Util: 0-1%
Mega Contributor
LS2982
Posts: 15,434
Registered: ‎04-09-2011

Re: Best Buy mastercard?


armbenderc wrote:

LS2982 wrote:

armbenderc wrote:

I have BestBuy MC with AF for 4 years now. It was one of my first CC. CL is still 400.

 

Anyway, it's getting axe'd soon.


Have you requested a CLI recently?

 


Never did, and never used it for over 2 years. First year, I max'd it out and paid monthly until it was paid off. After that it was music on itunes.

 


Well you cant really fault them then, surprised they havent axed you for inactivity.

 

Why not use it for a few months and ask for a CLI?

 

 

 




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 Contributor
armbenderc
Posts: 1,339
Registered: ‎09-11-2012

Re: Best Buy mastercard?


LS2982 wrote:

armbenderc wrote:

LS2982 wrote:

armbenderc wrote:

I have BestBuy MC with AF for 4 years now. It was one of my first CC. CL is still 400.

 

Anyway, it's getting axe'd soon.


Have you requested a CLI recently?

 


Never did, and never used it for over 2 years. First year, I max'd it out and paid monthly until it was paid off. After that it was music on itunes.

 


Well you cant really fault them then, surprised they havent axed you for inactivity.

 

Why not use it for a few months and ask for a CLI?

 

 

 


That's true. The reason they havn't axe'd me because of the AF I would think.

 

Anyway, I will try giving them a call and see what's going on.

 

2013 Approvals: Discover IT - 3/1, Amex BCE - 3/4, CSP - 5/4, Barclay Ring - 6/12, BoA Privileges Cash - 6/27, Citi TY Preferred - 8/6, OCCU Duck - 11/4, USBank (Cash+) - 11/22, Wells Fargo - 12/21, Nordstrom - 12/29

12/19/2013, $100k+ Available Credit. Total Util: 0-1%

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