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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'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 .
@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.
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
@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.
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.
Thanks Ron. Yeah i would believe that it's easier to get approved with a decent limit now. Brusilov yup they approved me for the "My Best Buy CC".
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...
@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!!! I hope that you will get MC.
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....
@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.
@mnavas Thats great!! I would assume you got the MC version, and either way $4,000 Is a great initial CL. Congrats!!