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Valued Contributor
Posts: 2,256
Registered: ‎07-23-2012
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Re: Best Buy store card w/Capital One

yeah i got a 2k store card in 2010. 2500 now. 

from what i was told today if your a silver premier member you get the 4%cash back points as well as the 18% month financing(appliances-was looking at washer and dryer) . and 36 on electronics etc... 

Current: Discover Fico 682 1/15 Walmart Fico 684 1/15

Inquiries (24 Months): EQ 4 TU 1 EX 5 | Most Recent: 09/26/2014
Over 12 Months:6


2014 Goals:
Lower Utility
47%(OUCH!!)
Freedom Signature

Amex Zync(Unicorn)
Chase Freedom$1500
Discover IT$2900
Citi Diamond Preferred$6000
Citizens Mastercard$7000
Valued Contributor
Posts: 3,097
Registered: ‎10-02-2012
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Re: Best Buy store card w/Capital One


creditnocash wrote:

yeah i got a 2k store card in 2010. 2500 now. 

from what i was told today if your a silver premier member you get the 4%cash back points as well as the 18% month financing(appliances-was looking at washer and dryer) . and 36 on electronics etc... 


I am premier silver and you do not get both. You still have to choose promo financing or 4% back. Premier silver offers a small amount of bonus points, so it may actually be like 2.5% or 4.5%, but it is not the extra points and promo financing.

 

Too many INQs & low AAoA so I'm off to tend the Garden.     Age:23    


     $17k       $8.5K          Closed          $19k      $6.5k        $24.2k        Closed         $5k       Closed     $8.5k        Closed      @2.49%
Valued Contributor
Posts: 2,256
Registered: ‎07-23-2012
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Re: Best Buy store card w/Capital One


Dustink wrote:

creditnocash wrote:

yeah i got a 2k store card in 2010. 2500 now. 

from what i was told today if your a silver premier member you get the 4%cash back points as well as the 18% month financing(appliances-was looking at washer and dryer) . and 36 on electronics etc... 


I am premier silver and you do not get both. You still have to choose promo financing or 4% back. Premier silver offers a small amount of bonus points, so it may actually be like 2.5% or 4.5%, but it is not the extra points and promo financing.

 


sorry not the full 4% your correct. 

thats what i thought as well but according to the manager of this best buy that even if you get financing as a premier silver you get the regular amount instead of the premier amount (i meant the 2% vs 4%) but hey 2% on 2k is still not bad. 

sadly you cannot put it towards your card. 

 

and you have to spend 2k a year i think to retain the status. 

 

Current: Discover Fico 682 1/15 Walmart Fico 684 1/15

Inquiries (24 Months): EQ 4 TU 1 EX 5 | Most Recent: 09/26/2014
Over 12 Months:6


2014 Goals:
Lower Utility
47%(OUCH!!)
Freedom Signature

Amex Zync(Unicorn)
Chase Freedom$1500
Discover IT$2900
Citi Diamond Preferred$6000
Citizens Mastercard$7000
Valued Contributor
Posts: 1,346
Registered: ‎04-15-2011
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Re: Best Buy store card w/Capital One


beb86 wrote:

jsucool76 wrote:

Weights wrote:

which credit bureau(s) did Capital one pull? I know they tend to pull all three, but wondered if it's different when applying for a Best Buy card.


They still pull all 3. I think they pull all 3 for every card they offer, including store cards and cobranded cards. 

 

The best buy card isn't a bad one, it just sucks that you don't pick which one you apply for. You could get stuck with the crappy $59 AF Gold, or get the $0 AF plat (which would be cool). I don't mind that GE does apps like this (where they consider you for visa/mc/discover/amex first, and then try for store card) since none of their cards really have AFs. but getting stuck with a $59 AF gold mastercard would suck. :smileytongue: 

 

 

I do know someone on here has a best buy store card with a ~30k limit. I remember seeing that post :smileytongue: 


Yeah the store card are known to give out some high limits..... Lets you you just bought a house and was trying to furnish it with tvs, surround, w/d, kit apps, etc... it adds up 


I think you're both refering to Ron1 who if I remember correctly also has the Best Buy PLATINUM MasterCard with a much lower limit as well and has had it for quite a while.   He'll correct me if I'm wrong, he ususally spots these types of threads and tries his best to help others with info.

Valued Contributor
Posts: 1,346
Registered: ‎04-15-2011
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Re: Best Buy store card w/Capital One

 

They (BB) actually just sent me a new replacement card.  It says "Best Buy Reward Zone"  on the front along with my RZ number, no MC logo (I never had that anyway).    Still at the 25.24%  but paying 0% (CL 900 to 1000 then Cap1...).

 

So now that BB is Cap1, I'm not even sure WHAT "Plan" I'm on with them now......  As long as there's no AF, I guess I don't really care :smileyindifferent:

 

If I didn't have it already, I sure wouldn't apply for it now :smileylol:

Valued Contributor
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Registered: ‎10-02-2012
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Re: Best Buy store card w/Capital One

[ Edited ]

creditnocash wrote:

Dustink wrote:

creditnocash wrote:

yeah i got a 2k store card in 2010. 2500 now. 

from what i was told today if your a silver premier member you get the 4%cash back points as well as the 18% month financing(appliances-was looking at washer and dryer) . and 36 on electronics etc... 


I am premier silver and you do not get both. You still have to choose promo financing or 4% back. Premier silver offers a small amount of bonus points, so it may actually be like 2.5% or 4.5%, but it is not the extra points and promo financing.

 


sorry not the full 4% your correct. 

thats what i thought as well but according to the manager of this best buy that even if you get financing as a premier silver you get the regular amount instead of the premier amount (i meant the 2% vs 4%) but hey 2% on 2k is still not bad. 

sadly you cannot put it towards your card. 

 

and you have to spend 2k a year i think to retain the status. 

 


$2500 per year and you get:

Free expedited shipping and in home delivery

Extra half percent back on all purchases

annual in house geek squad call for free

free helpline for basic stuff like setting up a new tv ect.

60 day return policy

personal shopper

some random early access sales and special offers

 

As you can see I spend too much time/money at best buy...haha

 

The crap1 buyout of the card makes me like it way less. I know all stayed the same, but still..major dislike

Too many INQs & low AAoA so I'm off to tend the Garden.     Age:23    


     $17k       $8.5K          Closed          $19k      $6.5k        $24.2k        Closed         $5k       Closed     $8.5k        Closed      @2.49%
Valued Contributor
Posts: 3,097
Registered: ‎10-02-2012
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Re: Best Buy store card w/Capital One

Just went to test an application...hey whats another INQ right? haha

 

So I have had the store card for 8 months and it has a $3,000 limit. I wanted to see if I could get the mastercard version, so I APPed.

 

I was approved for a $300 limit and a $59 AF....WOOT!

 

Simply put, I will not be accepting that offer. Sound like I will be calling the executive office tomorrow.

 

Ugh Crap1 strikes again :smileysad:

Too many INQs & low AAoA so I'm off to tend the Garden.     Age:23    


     $17k       $8.5K          Closed          $19k      $6.5k        $24.2k        Closed         $5k       Closed     $8.5k        Closed      @2.49%
Regular Contributor
Posts: 160
Registered: ‎09-20-2012
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Re: Best Buy store card w/Capital One

lol..I can't help but think of the absurdity which surrounds that Dustink.  Currently, i have a security freeze in place on all the bureaus, so I just decided to go ahead and submit an app to see which bureau(s) they'd want to pull.  My decline letter referenced only Equifax, so take that for what it's worth. 

Please keep the comments coming in for those who haven't posted yet about their approval offers and credit profile. 

Valued Contributor
Posts: 3,097
Registered: ‎10-02-2012
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Re: Best Buy store card w/Capital One


Weights wrote:

lol..I can't help but think of the absurdity which surrounds that Dustink.  Currently, i have a security freeze in place on all the bureaus, so I just decided to go ahead and submit an app to see which bureau(s) they'd want to pull.  My decline letter referenced only Equifax, so take that for what it's worth. 

Please keep the comments coming in for those who haven't posted yet about their approval offers and credit profile. 


Yes, the senior rep told me that it was a single bureau pull.

 

It was funny listening to the first rep tell me how it was only a soft pull and that it should only lower my score a few points. Gotta love crap1.

 

Too many INQs & low AAoA so I'm off to tend the Garden.     Age:23    


     $17k       $8.5K          Closed          $19k      $6.5k        $24.2k        Closed         $5k       Closed     $8.5k        Closed      @2.49%
Regular Contributor
Posts: 160
Registered: ‎09-20-2012
0

Re: Best Buy store card w/Capital One

lol, all these mixed comments are really having me wonder whether I should actually let Crap one consider me for this card or not. I mean, if I apply and only get a low limit, what's the point? BTW, my credit profile is as follows for those who are wondering: EQ-750, TU-760, one new account in last year, 2% utilization, no baddies, highest limit is Chase Sapphire preferred at $10K, and equifax has 2 inquiries within the last year.  Still, you never seem to know with Crap One it seems...

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