Who does the current best buy store card pull and what kind of limit can I expect?

[mccallb]

Hi All, I see best buy has gone through some changes with regards to who owns their cards in the last few years, from hsbc to cap 1 to maybe citibank?

I was wondering, are they still citi? If so, is what I have read correct that they pretty much exclusively pull EQ?  And finally, what kind of limit do you think I'll see if I have about a 700~ score with about 12% UTI?

Thanks so much for the help!

[Anonymous]

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@mccallb wrote:

Hi All, I see best buy has gone through some changes with regards to who owns their cards in the last few years, from hsbc to cap 1 to maybe citibank?

I was wondering, are they still citi? If so, is what I have read correct that they pretty much exclusively pull EQ?  And finally, what kind of limit do you think I'll see if I have about a 700~ score with about 12% UTI?

Thanks so much for the help!

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Yes, they use Citi now and typically run Equifax.  As for your potential credit limit, there is no way to have any idea just from you providing a score

[mccallb]

Ok thanks for the information!

[Anonymous]

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@mccallb wrote:

Ok thanks for the information!

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You're welcome and good luck

[jamesdwi]

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@mccallb wrote:

Hi All, I see best buy has gone through some changes with regards to who owns their cards in the last few years, from hsbc to cap 1 to maybe citibank?

I was wondering, are they still citi? If so, is what I have read correct that they pretty much exclusively pull EQ?  And finally, what kind of limit do you think I'll see if I have about a 700~ score with about 12% UTI?

Thanks so much for the help!

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They just pulled TU on me, last week. My best score, gave me $3k CL with a 738 but I have 18% UTL overall and good income. Contacted EO for better starting CL but no word on the results and the CL hasn't changed online. 

[Anonymous]

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@mccallb wrote:

Hi All, I see best buy has gone through some changes with regards to who owns their cards in the last few years, from hsbc to cap 1 to maybe citibank?

I was wondering, are they still citi? If so, is what I have read correct that they pretty much exclusively pull EQ?  And finally, what kind of limit do you think I'll see if I have about a 700~ score with about 12% UTI?

Thanks so much for the help!

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They pulled experian on me a few months ago in California but I recently got a Sears card (which is also Citi) and they pulled Equifax so who knows.

[Anonymous]

I was wondering who they pulled as well. I was just in Best Buy yesterday starting new Verizon wireless service. I told the guy that my EX and EQ was frozen and had my PIN numbers with me just in case it caused a problem but Verizon just pulled TU (I'm having problems freezing TU) but they offered me a Best Buy credit card twice and I was real tempted. I was ready to say yes!! But then I controlled myself plus I don't know if my reports being frozen was going to be a problem either so I just said no. I wouldn't mind a best buy card but I also don't need one.

Side Note- it's crazy how uneducated people are about credit. It makes me realize how much we learn from these boards on a daily basis. When I told the guy my reports were frozen he told me that it wouldn't be a problem because freezing my reports only stops me from looking at my reports and not companies, he was so wrong but I just said "oh okay" and I HATE that I had to take a inquiry just for wireless service. Makes me so angry

[mccallb]

FYI: Since I hate when people post these and leave. 

I did apply for the card, got $3500 on the store card (didn't care for the MC, I wanted the 24 months financing).

They pulled Experian, here in SC.

[Anonymous]

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@mccallb wrote:

FYI: Since I hate when people post these and leave. 

I did apply for the card, got $3500 on the store card (didn't care for the MC, I wanted the 24 months financing).

They pulled Experian, here in SC.

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Congrats and good to know.  Also good of you to come back and update.  I hate it as well when people ask for information and/or help and then go 'poof'

[Closingracer99]

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@mccallb wrote:

Hi All, I see best buy has gone through some changes with regards to who owns their cards in the last few years, from hsbc to cap 1 to maybe citibank?

I was wondering, are they still citi? If so, is what I have read correct that they pretty much exclusively pull EQ?  And finally, what kind of limit do you think I'll see if I have about a 700~ score with about 12% UTI?

Thanks so much for the help!

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They are citi and citi is one of the few who pulls EQ for me . Only have citi and Verizon pulling EQ