@haulingthescoreup wrote:
WHOA, NELLY, STOP, DON'T DO THIS!!!!!
I am now the owner of a Best Buy store card with a CL of $2500. When you hit that button, you do get a hard. In my case, it was on EQ. (Poor old EQ, but at least it wasn't EX.)
Even though my supposed soft app didn't go through initially, the HSBC CSR cheerfully told me that the inq had already gone through, and they just needed to verify my identity, don't know why. They asked if I had ever had various professional licenses, including electrician and private investigator, and they asked me to confirm what city my son lives in (he has a BB card.)
So oh well, I guess I have another place where I can go by a fridge. But this does not appear to be a soft app, or at least, it wasn't for me.
PS: just checked my EQ full report (God bless Equifax Credit Watch Gold), and yup, there it is, Beneficial Financial Bank, Wilmington, DE.
BTW, I would not have done a trial app if I hadn't been willing to live with the consequences. I can promise you, I would not have done this with a WFNNB card.So, cool, I have a Best Buy card. Time to figure out what I can do with it!
Hauling, I'm sorry I wasn't here yesterday.
I could have saved you a hard pull.I applied for the BB card online last November...approved..$2,500 cl. My EXP cms reported the hard inq the next day. (btw, I was instantly approved)
Oh, well, Tennessee is about to have a sales tax weekend (no sales tax on clothers and school-related stuff), and DD#1 needs a serious upgrade in laptop land before heading to med school.
Cripes, as much as I hate to shop, too!
Cripes, as much as I hate to shop, too!
So can you guys advice me from your own experience which is the best way to apply for BEST BUY card online or in store ?
I sure wouldn't mind hearing OP say that...
Sylviatob wrote: Hauling, I'm sorry I wasn't here yesterday.
@KingAdrock wrote:
I sure wouldn't mind hearing OP say that...
Sylviatob wrote: Hauling, I'm sorry I wasn't here yesterday.
OK, hang on, OP posted this is good faith. And I read a post somewhere else just last night by someone who had done a pre-approval and backed out (or thought they did, lol.)
As I said initially, "BTW, I would not have done a trial app if I hadn't been willing to live with the consequences."
I tiptoed a little ways back into the app last night, and I still can't see how they got away with it. The only thing that I saw that looked like me giving permission was that VERID thing.
I've never heard wonderful things about HSBC, and I must say, I've seen WAY clearer permissions elsewhere. Looks like a useful heads-up to stay on my toes with them!
I am sorry for all who went thru this experience and either got an inquiry they didnt want or just testing the system--however when I completed the process if can up with the fact that I was offered a Gold Rewards Card wtih 59 AF ( I have no AF on no card so I didnt go no further than that--it also noted that I could click this yello bar across the bottom that read to accept the offer--beside that was no thanks and it also stated I had until a date in may to return to accept the offer--no credit limit was ever shown--so instead of hitting to accept offer or try to find out a CL I called the next morning to determine what was done and what they could tell me
I was then told that My info was ran to see based off soft pull of credit if I qualified however to determine a CL I would have to go on there and accept the offer so my actual report could be pulled and that decision could be made--there was no other way to find out a limit--which I do believe cause I have never found out an exact CL without apping for the card---however I didnt get an inquiry (I guess different strokes for different folks) again for any who tried and with regrets I apologize for throwing the offer out there or sending you down this apping road --
--I was just passing on the news the Lending Dept Asst shared with me---
have a great weekend!!