topic Re: Best Buy Credit Card in Credit Card Applications

Best Buy Credit Card

Anonymous — Sat, 07 Apr 2018 10:05:40 GMT

Hi,

I was wondering what happened BB and your app were you approved? I was an empleye before and didnt know i could be aprroved for the card and applied the normal way lol. So they denied me back then now im looking to buy a new computer and wanted to know if i should reapply or ask about my old application that was denied kind of like how you did it. any tips would be great thanks

Re: Best Buy Credit Card

UncleB — Sat, 07 Apr 2018 10:07:45 GMT

@Anonymous wrote:
Hi,
I was wondering what happened BB and your app were you approved? I was an empleye before and didnt know i could be aprroved for the card and applied the normal way lol. So they denied me back then now im looking to buy a new computer and wanted to know if i should reapply or ask about my old application that was denied kind of like how you did it. any tips would be great thanks

Hi @Anonymous, the thread you replied to was quite old and much of the information is likely outdated so I've moved your question to a new thread.

--UncleB

myFICO Moderator

Re: Best Buy Credit Card

AverageJoesCredit — Sat, 07 Apr 2018 16:51:31 GMT

If your app was old, just reapply, either in store or online. Most times, they will offer store card or Visa , a rareity to be offered the choice. Good luck

Re: Best Buy Credit Card

BrokenBones — Mon, 09 Apr 2018 02:26:31 GMT

@Anonymous wrote:
Hi,
I was an empleye before and didnt know i could be aprroved for the card and applied the normal way lol.

What do you mean by this?

Re: Best Buy Credit Card

Brian_Earl_Spilner — Mon, 09 Apr 2018 10:13:16 GMT

@BrokenBones wrote:
@Anonymous wrote:
Hi,
I was an empleye before and didnt know i could be aprroved for the card and applied the normal way lol.
What do you mean by this?

Back when HSBC was in charge of the card, Best Buy employees had an application site internally which was almost a guaranteed approval. HSBC and Best Buy believed the employees would do a better job of promoting the financing if they had it themselves.

Re: Best Buy Credit Card

Brian_Earl_Spilner — Mon, 09 Apr 2018 10:20:04 GMT

@Anonymous wrote:
Hi,
I was wondering what happened BB and your app were you approved? I was an empleye before and didnt know i could be aprroved for the card and applied the normal way lol. So they denied me back then now im looking to buy a new computer and wanted to know if i should reapply or ask about my old application that was denied kind of like how you did it. any tips would be great thanks

That was a long time ago. Since then, Capital One took over and now Citibank is who handles the card. Anything that had to do with HSBC other than the accounts were not carried over when Capital One took over. Capital One and Citibank both held/hold denied applications for 6 months. It sounds like you want to recon. That wouldn't be possible anymore. Recons should be done within 30 days of denial to avoid another hard pull. At this point, you need to reapply normally.

Re: Best Buy Credit Card

marty56 — Mon, 09 Apr 2018 11:21:11 GMT

I think BB is backed by Citi since their Master card is a Citi card. I would go for the Citi if given a choice since it is a way in to them if you havent had one in the past. Also the will give 10% store credit back for your first major purchase which could be several hundred dollars based on what you buy. They are also very generous with their auto CLIs.