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Contributor
Posts: 75
Registered: ‎01-05-2012
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Re: Citi Best Buy Card Application link and Terms!!!!

I just apped and was approved for $2000 with an apr of 27.99 (non-preferred version). Hopefully i'll be able to get a cli from them, but if not the CL is sufficient enough for me. After years of apping with cap1 and getting approved with a CL between $300-800 i'm relieved that CITI took over and that i can check one card off my list. Smiley Happy

 

btw they pulled experian for me. I live in CA and everyone beside GE pulls EQ for me.

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Established Contributor
Posts: 625
Registered: ‎01-04-2009
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Re: Citi Best Buy Card Application link and Terms!!!!


stevenngu92 wrote:

I just apped and was approved for $2000 with an apr of 27.99 (non-preferred version). Hopefully i'll be able to get a cli from them, but if not the CL is sufficient enough for me. After years of apping with cap1 and getting approved with a CL between $300-800 i'm relieved that CITI took over and that i can check one card off my list. Smiley Happy

 

btw they pulled experian for me. I live in CA and everyone beside GE pulls EQ for me.


So I take it you got the "My Best Buy CC"?

 

I wonder if my APR will actually go down considering I currently have the 0$ AF / Gold Mastercard now @ 22.99%.  The terms under Citibank list the range as 17.99%-21.74%.

Super Contributor
Posts: 8,150
Registered: ‎05-23-2009
0

Re: Citi Best Buy Card Application link and Terms!!!!


stevenngu92 wrote:

I just apped and was approved for $2000 with an apr of 27.99 (non-preferred version). Hopefully i'll be able to get a cli from them, but if not the CL is sufficient enough for me. After years of apping with cap1 and getting approved with a CL between $300-800 i'm relieved that CITI took over and that i can check one card off my list. Smiley Happy

 

btw they pulled experian for me. I live in CA and everyone beside GE pulls EQ for me.


Congrats!!!!! It looks like it is easier to get now. 

 

 

Ron.

Member
Posts: 46
Registered: ‎08-17-2013
0

Re: Citi Best Buy Card Application link and Terms!!!!

Is no one going to mentioned the outrageously high interest rate this card has? I would never apply for it for that reason alone. It's the same reason I won't apply for the Paypal CC.

 

I know everyone here is all about PIF but still. . . Things happen in life and you may end up having to carry a balance for a little while at some point. I pretty much try to avoid any card with an APR of 20% or higher.

Super Contributor
Posts: 8,150
Registered: ‎05-23-2009
0

Re: Citi Best Buy Card Application link and Terms!!!!


SPX wrote:

Is no one going to mentioned the outrageously high interest rate this card has? I would never apply for it for that reason alone. It's the same reason I won't apply for the Paypal CC.

 

I know everyone here is all about PIF but still. . . Things happen in life and you may end up having to carry a balance for a little while at some point. I pretty much try to avoid any card with an APR of 20% or higher.


They offer you 0% interest Financing for 6 months, 12 months ,18 months. I haven't paid a single penny of interest since I got the card. It helped me to buy computers applicance, tv without paying any interest. I paid it off before the promotional period ended.

 

 

Ron.

Frequent Contributor
Posts: 401
Registered: ‎09-07-2009
0

Re: Citi Best Buy Card Application link and Terms!!!!

+1 to me that is the purpose of the card, abc actually only reason we use it is to buy appliances, computers ect... @ the 0%.
MyFico 3B Scores: EQ: 9/4/15 (701), EX (719) TU (698)

Member
Posts: 46
Registered: ‎08-17-2013
0

Re: Citi Best Buy Card Application link and Terms!!!!


Ron1 wrote

They offer you 0% interest Financing for 6 months, 12 months ,18 months. I haven't paid a single penny of interest since I got the card. It helped me to buy computers applicance, tv without paying any interest. I paid it off before the promotional period ended.

Ron.


 

So what happens to the card once the promotional period is over? Does it become a very light paperweight?

 

I guess I only go for cards that I think I'm going to get some long-term (years, maybe decades) of use from.

Super Contributor
Posts: 8,150
Registered: ‎05-23-2009
0

Re: Citi Best Buy Card Application link and Terms!!!!


SPX wrote:

Ron1 wrote

They offer you 0% interest Financing for 6 months, 12 months ,18 months. I haven't paid a single penny of interest since I got the card. It helped me to buy computers applicance, tv without paying any interest. I paid it off before the promotional period ended.

Ron.


 

So what happens to the card once the promotional period is over? Does it become a very light paperweight?

 

I guess I only go for cards that I think I'm going to get some long-term (years, maybe decades) of use from.


Smiley Happy

 

 

Ron.

Member
Posts: 46
Registered: ‎08-17-2013
0

Re: Citi Best Buy Card Application link and Terms!!!!

[ Edited ]

Ron1 wrote:

Smiley Happy

 

Ron.


 

 

OK. . .

Epic Contributor
Posts: 27,359
Registered: ‎10-23-2007
0

Re: Citi Best Buy Card Application link and Terms!!!!

The 0% is available over and over again as long as the purchase amount meets the requirements ($149 for 6 months)
So again apr doesn't matter to most unless you make the mistake of not paying off before promo ends on said purchase!
Fico Scores 8: EX 718. TU 699. EQ 658. 11/10/2015

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