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Established Contributor
Posts: 619
Registered: ‎01-04-2009
0

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

Yup, same reason I like the Amazon card, though it has a HORRID APR otherwise (25.99%).


Creditaddict wrote:
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!

 

Regular Contributor
Posts: 158
Registered: ‎03-10-2012
0

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

I'm guilty... I wouldn't even apply for my Walmart, Amazon, or Best Buy cards if they did not have ongoing 0% financing (I don't care about introductory rates).

 

My refrigerator stopped working last year; just have to make sure I pay it off on time (I use Microsoft Excel to keep track of everything).

I also recently purchased a new notebook - unfortunatly I have to pay it off right away, since the model I decided to buy wasn't available at Best Buy or Amazon.com. 

 

These card(s) aren't for everyone. Of course, lets not forget what emergency budgets are for :smileytongue:.

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

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

[ Edited ]

Brusilov wrote:

Yup, same reason I like the Amazon card, though it has a HORRID APR otherwise (25.99%).


Creditaddict wrote:
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.

I see. So basically it's only useful for big ticket items and then only at Best Buy.

I could see how that could be worth it to others, but I buy something like a new TV or new computer maybe once every 5ish years. Usually I'm buying stuff like movies or maybe a new phone. So for me to get interested it would need to be a card that I could in good conscience use for general purposes (i.e. as a regular MasterCard) without getting killed on the interest if I end up carrying a balance for a little while.


Frequent Contributor
Posts: 436
Registered: ‎03-19-2010
0

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

Can't say i'm happy with this change. Just switched over from Cap 1 not too long ago. I hope it doesn't hurt my chance of getting those $1500 increases every 6 months. 

 

I have to deal with Citi on my Sears card and can't stand them. Reduced my credit a few years back due to high balances and years later when i clear everything up i try to get a increase and all they give me is $200 with a HP :smileysad:

 

New Contributor
Posts: 74
Registered: ‎01-05-2012
0

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

[ Edited ]

Ron1 wrote:

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. :smileyhappy:

 

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.


Amazon Store Card ($4000) Amex BCE ($7400) BofA Better Balance Rewards ($2500) Best Buy Store Card ($5000) Chase Freedom ($2500) Discover It ($5500) Walmart Discover ($6000) Wells Fargo CB ($3500)
Frequent Contributor
Posts: 417
Registered: ‎02-04-2013
0

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

I'm so glad Citibank is now the owner of  BBY credit card.... I just applied for this card and got approved for a CL of $4000. I'm not sure if i got  the store or the Mastercard...well i don't really care whatever version i got ..and  As i was expecting they checked my EXP report. I have 16  Hard inquiries (6 in the last year and 3 in the last six months)  I know some people around here complain about CITI's approval criteria but for some reason they've been awesome with me...

Super Contributor
Posts: 6,181
Registered: ‎05-23-2009
0

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


mnavas wrote:

I'm so glad Citibank is now the owner of  BBY credit card.... I just applied for this card and got approved for a CL of $4000. I'm not sure if i got  the store or the Mastercard...well i don't really care whatever version i got ..and  As i was expecting they checked my EXP report. I have 16  Hard inquiries (6 in the last year and 3 in the last six months)  I know some people around here complain about CITI's approval criteria but for some reason they've been awesome with me...


Congrats!!! :smileyhappy: I hope that you will get MC. 

New Contributor
Posts: 78
Registered: ‎03-13-2013
0

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

Well I applied with more than 8 inquiries, AAoA 9 months total credit history 4.5 years, fico by TU walmart of 714 (Experian Faco says 744 and 733 for both TU and equifax on Plus score) and was approved for $2,000 for the store card Best buy my rewards with an apr of 27%.

 

now my question is should I call in and close down my Cap 1 best buy card with a credit line of $400? or just let it close due to inactivity? 

 

hmmm desicion desicions....

Super Contributor
Posts: 6,181
Registered: ‎05-23-2009
0

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


Vikz27 wrote:

Well I applied with more than 8 inquiries, AAoA 9 months total credit history 4.5 years, fico by TU walmart of 714 (Experian Faco says 744 and 733 for both TU and equifax on Plus score) and was approved for $2,000 for the store card Best buy my rewards with an apr of 27%.

 

now my question is should I call in and close down my Cap 1 best buy card with a credit line of $400? or just let it close due to inactivity? 

 

hmmm desicion desicions....


Congrats!!!! I think you should close it. I don't know they will let you to keep both of them next month. 

 

 

Ron.

Senior Contributor
Posts: 3,914
Registered: ‎10-02-2012
0

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

@mnavas Thats great!! I would assume you got the MC version, and either way $4,000 Is a great initial CL. Congrats!!

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