topic Best Buy Vs. Best Buy Visa in Credit Card Applications

Best Buy Vs. Best Buy Visa

Anonymous — Tue, 04 Apr 2017 07:31:48 GMT

Does anyone NOT think I am crazy for thinking of accepting the Store Card and not the Visa if and when I apply and get offered both? I have been debating this and truly I would not use the Visa portion. I have too many other cards that I use and I really don't care about getting the rewards for Best Buy. I really want the card for major electronics purchases 0% APR fiancing.
I am usually not a fan of store cards-only one I have is Amazon. But-I think in this case unless someone can help me change my mind I might have 2 soon.
Is there something I am missing? Are the limits higher? Can you PC to other Citi cards? (I'm assuming no on the PC)
What other benefits would I miss out on if I only took the store version? Thx

Re: Best Buy Vs. Best Buy Visa

Anonymous — Tue, 04 Apr 2017 11:51:20 GMT

Do you go to Costco? I have the Citi Costco Visa Signature card and its awesome. No AF, I get great discounts at Costco on electronics (thinking of buying a TV soon). They may not have the same variety as Best Buy but its an option where you also get to use the card for anything else. 4% on gas?!? awesomeness. Hope this helps, cheers.

Re: Best Buy Vs. Best Buy Visa

Anonymous — Tue, 04 Apr 2017 12:55:10 GMT

nvm

Re: Best Buy Vs. Best Buy Visa

Anonymous — Tue, 04 Apr 2017 13:56:57 GMT

@Wave.... you can say anything. I won't be offended.

Not wanting the Costco card but thanks. I pretty much buy all my electronics at Best Buy.
Every time I see someone on here get offered both they always pick the Visa.

Re: Best Buy Vs. Best Buy Visa

Anonymous — Tue, 04 Apr 2017 17:06:38 GMT

Not at all man, I was just multitasking too much and wanted to edit what I said. I say go for it if the 0% APR can be used all the time like Syncb cards. If it can't then I'd say the new account is better purposed towards a 0% apr mc/vs that can be merged/pc'd later vs being stuck with a high APR store card down the road.

Re: Best Buy Vs. Best Buy Visa

AverageJoesCredit — Tue, 04 Apr 2017 18:27:00 GMT

Dj, go for the Visa, if only because you do get some nice offers outside of Best Buy, and what a bonus tou get to have a Visa siggy without apping specifically for it. The card can grow and for unstance, though not the 5 everyone love, their current promotion is 3% back in rewards at wholesale clubs. Seems they are making it more attractive to use outside of BB. No AF EITHER! Cant go wrong especially as its yours should you choose

Re: Best Buy Vs. Best Buy Visa

Aduke1122 — Tue, 04 Apr 2017 18:30:43 GMT

I have the Visa , just bc they do have some nice incentives sometimes and it looks better than having the store card plus I'm hoping it will help me down th road get into more Citi cards

Re: Best Buy Vs. Best Buy Visa

Anonymous — Tue, 04 Apr 2017 20:54:47 GMT

So glad I asked. I had no idea the Visa offered bonus categories. Thx for the replies all. I think I will do the Visa.

Re: Best Buy Vs. Best Buy Visa

AverageJoesCredit — Wed, 05 Apr 2017 02:20:46 GMT

Good choice Dj

Aduke, i truely believe me getting my Best Buy Visa earlier in my rebuild and using it and making good payments helped me get my Dc and Sears cards. Could be wrong but i felt they helped eternally with Citi.

Re: Best Buy Vs. Best Buy Visa

HeavenOhio — Wed, 05 Apr 2017 03:50:10 GMT

It looks like the decision has been made, but these things come to mind… It's easy to throw a charge on a Visa if several months go by without the need to use the card at Best Buy. Also, insurance scores aren't particularly fond of retail cards.

Re: Best Buy Vs. Best Buy Visa

Anonymous — Wed, 05 Apr 2017 12:17:58 GMT

@AJC- I was wondering about what you said to @Aduke. Citi hates me. They never give me anything. I do have one baddie left on EX (it's off TU & EQ but unfortunately Citi pulls EX for me) Even with the baddie though, which is almost 7 years old.... my FICO is still mid 700's. Always denied with them. This is one of the reasons I thought of trying Best Buy. Too bad you can PC the BB Visa. Thx for your input-it really helped.

Re: Best Buy Vs. Best Buy Visa

AverageJoesCredit — Wed, 05 Apr 2017 15:25:26 GMT

No problems Dj. When i got the best buy and Citi Dc, i still had my bk7 reporting

Re: Best Buy Vs. Best Buy Visa

Anonymous — Wed, 05 Apr 2017 15:59:35 GMT

My INQs I'm worried about

Re: Best Buy Vs. Best Buy Visa

KSK1912 — Wed, 05 Apr 2017 16:46:28 GMT

@Anonymous wrote:
My INQs I'm worried about

I got BB visa in Oct i think with 30+ inq's and several new accounts and a very high utilization. I don't think Citi is inq sensitive at least when it ocmes to their co branded cards.

Re: Best Buy Vs. Best Buy Visa

Anonymous — Thu, 06 Apr 2017 10:22:41 GMT

Good to know @KSK. Thx. If I end up applying I'll see if I am as lucky as you. I have about the same number.

Re: Best Buy Vs. Best Buy Visa

AverageJoesCredit — Thu, 06 Apr 2017 17:21:17 GMT

Inquiries can always rear their ugly head with Citi but i think your profile is solid that they should approve you, of course one never knows if something might irk them that day but id go for it

Re: Best Buy Vs. Best Buy Visa

Anonymous — Thu, 06 Apr 2017 20:42:54 GMT

Sometimes they care about inquiries but with your scores they won't

Re: Best Buy Vs. Best Buy Visa

Anonymous — Thu, 06 Apr 2017 23:13:51 GMT

I was gonna say what Heavenly said. Store cards show unfavorable in states that use them for insurance purposes. My state California does not (for auto).

I shop BB a lot. My scores are garbage imo. I got the Visa for being able to use the bonus deals outside BB. They send targeted stuff as well. I think pet stores are a bonus this month.

0% financing is pretty sweet.

Not a fan of 6mo HP for CLI but it is what it is.

Sitting at $4000, Visa. Video gamer. Surround sound lover. Android accessories! Might upgrade the TV soon with BB. Got some rewards stashed up. Gonna use the pet food bonus to stash up more.

Thinking out loud... Might reassess the PlayStation visa's worth. Might be time to prune. I'm spending all my time on XboxOne with Mass Effect Andromeda right now. Your post has me thinking. Thanks man.