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Valued Contributor
Posts: 3,406
Registered: ‎12-19-2012
0

My first store card in 10 years

Went to Best Buy this evening to purchase a 55" LCD and a 39" LCD along with the home theater system including warranty and install. I just closed on a house 2/6/13 and my family needed some TVs.. It cost way more than I expected...$3,036! And I would have to put a lot more cash into it due to my measly credit limits. So I decided to apply for a Best Buy credit card and I was approved for $2500! So stoked!!! :-) I was afraid I would get that dreaded $500 limit everyone here talks about as I have about 8 inquiries now. But i just did it just to see since I closed on the house and didn't care as much about a denial. I don't know which of the two cards i got...anyone want to make a guess? So now my total credit limit is $7100! I wasn't planning on apping until June but the Best Buy card still allowed me to pay $750 in cash and put the remainder on the card. I didn't have to touch my Freedom and it has a zero dollar balance. My yearly bonus comes in about 3 weeks so I plan on paying the balance in full even though it comes with 0% indroductory APR for 24 months. Because I don't want the high utility to tank my score even though I won't be applying for anything for awhile. I just don't like watching my score go down...even if it is temporary.

So off to the garden I go!
Cards: Orchard Bank ($1100) | Cap1 Cash Rewards ($2500) | Chase Freedom ($1000) | Best Buy ($2500) | Discover It ($1000) | Barclay Rewards ($2500) | Current scores: EX FAKO: 684, CK TU: 649, FICO EQ: 680, FICO TU: 698, FICO EX: 658 Happy Homeowner Since 2/6/13! Smiley Happy Last App: 4/5/13 Gardening until July 2014
Community Leader
Valued Contributor
Posts: 2,441
Registered: ‎11-29-2012
0

Re: My first store card in 10 years

That's great!


Starting Score: 11/29/12 TU 527; EQ 565; EX 564 fako - bk7 dc'd 2/15/13
Current Score: 1/22/15 TU 645; EQ 605; EX 633 New goal 675
Cap1 sec $1k (SD) / Fingerhut $2k / Flagship $12k / cashRewards $12k / NavChek $15k / Amazon $2k / Von Maur $1k / Firestone $2.2k / BCU $3k / NFL $1k / QS1 $750 / Target $400 / PPSC $800 / Conoco $700 (last app 09/29/14)
Valued Contributor
Posts: 3,406
Registered: ‎12-19-2012
0

Re: My first store card in 10 years

Thanks Starry. I admit that I was in complete shock! :-o
Cards: Orchard Bank ($1100) | Cap1 Cash Rewards ($2500) | Chase Freedom ($1000) | Best Buy ($2500) | Discover It ($1000) | Barclay Rewards ($2500) | Current scores: EX FAKO: 684, CK TU: 649, FICO EQ: 680, FICO TU: 698, FICO EX: 658 Happy Homeowner Since 2/6/13! Smiley Happy Last App: 4/5/13 Gardening until July 2014
Established Contributor
Posts: 712
Registered: ‎06-11-2012
0

Re: My first store card in 10 years

OMG! How am I gonna ever catch up if you keep apping for new cards?! LOL Congrats!

DCU Platinum: 4000 - Discover IT: 11000 - Walmart: 5000 - AMEX BCP: 18000 - Chase Freedom VS: 5000
in the garden since 1/24/14 - #GARDENSTRONG
Valued Contributor
Posts: 3,406
Registered: ‎12-19-2012
0

Re: My first store card in 10 years

Thank you Evilution! :-) You are going to get there and probably beat me as I think I am done until September...that is when I plan to app for a discover.
Cards: Orchard Bank ($1100) | Cap1 Cash Rewards ($2500) | Chase Freedom ($1000) | Best Buy ($2500) | Discover It ($1000) | Barclay Rewards ($2500) | Current scores: EX FAKO: 684, CK TU: 649, FICO EQ: 680, FICO TU: 698, FICO EX: 658 Happy Homeowner Since 2/6/13! Smiley Happy Last App: 4/5/13 Gardening until July 2014
Established Contributor
Posts: 712
Registered: ‎06-11-2012
0

Re: My first store card in 10 years

No way! I'm looking to get a car loan in June and probably app for Amex PRG in July. I won't be apping for the Amex BCE til 1/01/2014 for max backdating.

OMG! I'm so gonna die in my garden from boredom! LOL

DCU Platinum: 4000 - Discover IT: 11000 - Walmart: 5000 - AMEX BCP: 18000 - Chase Freedom VS: 5000
in the garden since 1/24/14 - #GARDENSTRONG
Valued Contributor
Posts: 3,406
Registered: ‎12-19-2012
0

Re: My first store card in 10 years

I am here to keep you entertained as I am now in the garden as well. :-) After a new car lease, 2 credit cards, and a house all in 3 months...I'm done! Well done! LOL!
Cards: Orchard Bank ($1100) | Cap1 Cash Rewards ($2500) | Chase Freedom ($1000) | Best Buy ($2500) | Discover It ($1000) | Barclay Rewards ($2500) | Current scores: EX FAKO: 684, CK TU: 649, FICO EQ: 680, FICO TU: 698, FICO EX: 658 Happy Homeowner Since 2/6/13! Smiley Happy Last App: 4/5/13 Gardening until July 2014
Moderator Emerita
Posts: 27,204
Registered: ‎09-13-2012
0

Re: My first store card in 10 years

Valued Contributor
Posts: 3,406
Registered: ‎12-19-2012
0

Re: My first store card in 10 years

Thank you Lexie! :-)
Cards: Orchard Bank ($1100) | Cap1 Cash Rewards ($2500) | Chase Freedom ($1000) | Best Buy ($2500) | Discover It ($1000) | Barclay Rewards ($2500) | Current scores: EX FAKO: 684, CK TU: 649, FICO EQ: 680, FICO TU: 698, FICO EX: 658 Happy Homeowner Since 2/6/13! Smiley Happy Last App: 4/5/13 Gardening until July 2014
Senior Contributor
Posts: 4,044
Registered: ‎10-02-2012
0

Re: My first store card in 10 years

HMMMM maybe the store card simply because the Platinum Master Card tends to offer lower CL's like 500 to 1000 but you never now maybe it was the MC version and got an excellent CL. Capital One is doing some great movements lately. If its the MC version that would be EXCELLENT!! Congrats!!!

Debit cards: Citibank MasterCard, Rabobank VISA, The Bank of Hemet MasterCard, Nordstrom and Target.
Credit cards: Fingerhut FreshStart $180
EQ FICO ---, EX FICO 523, TU FICO 555, (12/01/16) Gardening Since 12/01/16
Equifax, Experian, Transunion, and ChexSystem are FROZEN as of 12/02/16

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