topic Re: How is BestBuy Rewards Zone MC with CLI's? in Credit Cards

How is BestBuy Rewards Zone MC with CLI's?

Red1Blue — Sun, 01 Feb 2009 23:19:03 GMT

How is BestBuy Rewards Zone MC with CLI's? I am wondering if there is a way I can escape from the $300 CL they approved me with the card. Any chances I can get CLI on this card or is it like another Target Card that will sit at $200 CL no matter what you with that card?

Re: How is BestBuy Rewards Zone MC with CLI's?

haulingthescoreup — Mon, 02 Feb 2009 00:39:37 GMT

Kind of a stinker, as I recall. Some people have reported success though, but I think it takes patience. This is HSBC we're talking about here.

I've had the store card for a year, and I've been shot down for CLI's twice. (Not really sure why I tried!)

Re: How is BestBuy Rewards Zone MC with CLI's?

Anonymous — Mon, 02 Feb 2009 00:57:37 GMT

I was approved with a 1000 CL in March, had it increased to 1300 on activation and when I went on my app spree a couple of months ago, they gave me a 750 increase. I don't use the card much. The one I do use, the 2% CB card got the smallest increase. Oh well. They are still decent enough limits to use.

Re: How is BestBuy Rewards Zone MC with CLI's?

nicemann — Mon, 02 Feb 2009 01:01:55 GMT

@Red1Blue wrote:
How is BestBuy Rewards Zone MC with CLI's? I am wondering if there is a way I can escape from the $300 CL they approved me with the card. Any chances I can get CLI on this card or is it like another Target Card that will sit at $200 CL no matter what you with that card?

Concord sounds like you are on the same sucky plan as I am with BB MC. I got a $300 CL back in March 08 and they will not grant me a CLI. Guess my account will never qualify for a CLI. I was also charged the $59 AF. I am going to call them up this week and tell them they can cancel the card. I don't need this one especially for having a $59 AF.

Re: How is BestBuy Rewards Zone MC with CLI's?

Anonymous — Mon, 02 Feb 2009 01:15:00 GMT

Mine have no AF. The one that did, when it turned 1, I axed it.

Re: How is BestBuy Rewards Zone MC with CLI's?

Anonymous — Mon, 02 Feb 2009 03:13:22 GMT

I got mine the last week in October, 500 limit... spent $480 right away, paid it off the first week in December, spent 480 again, paid it off 2 weeks later and got a CLI up to $800 2 weeks ago, without applying...

Re: How is BestBuy Rewards Zone MC with CLI's?

Anonymous — Mon, 02 Feb 2009 06:09:23 GMT

(edited) I had the card for 15 months, used heavily, used sparingly, almost always PIF. My CL started at $300 and went to $500 over a 15 month period. I got tired of their crap so I closed it.

After reading through here a little more. I guess those that get initial CL higher than $300 and no AF may actually have some room to grow. Shouldnt matter where you start, it should be how you take care of the TL.

Message Edited by going2tdc on 02-01-2009 08:50 PM

I'm not wild about them either, but c'mon, now. --hauling

Message Edited by haulingthescoreup on 02-01-2009 10:09 PM

Re: How is BestBuy Rewards Zone MC with CLI's?

Anonymous — Mon, 02 Feb 2009 04:52:00 GMT

Wow these post surprise me about BB. I've had their store card for 7 years and have got unsolicited CLIs and all I ever use it for is the 0% financing and pay-off in the promotional period.

Re: How is BestBuy Rewards Zone MC with CLI's?

Anonymous — Mon, 02 Feb 2009 05:07:32 GMT

This is HSBC your dealing with so good luck with future CLI the forecast doesnt look very well lol

Re: How is BestBuy Rewards Zone MC with CLI's?

Anonymous — Mon, 02 Feb 2009 05:11:38 GMT

@Anonymous wrote:

After reading through here a little more. I guess those that get initial CL higher than $300 and no AF may actually have some room to grow. Shouldnt matter where you start, it should be how you take care of the TL.
Message Edited by going2tdc on 02-01-2009 08:50 PM

Yeah i saw the same thing seems like the people that start out with the 300 limit don't go to far with CLI. i have the store card with $600 limit that will never see a CLI. I still love Best Buy as a store but they really need to drop HSBC an go with another bank.

Re: How is BestBuy Rewards Zone MC with CLI's?

Anonymous — Mon, 02 Feb 2009 20:21:52 GMT

for me cli have been nonexistent..i've had my card since 11/2007 bbmc

Re: How is BestBuy Rewards Zone MC with CLI's?

dondk — Tue, 03 Feb 2009 00:59:15 GMT

I have had the card for 18 months.. started at the paltry $300 like many others. After 6 mths I asked for more and was denied BUT got a letter a week later for another $100. yippee! (scarasm)

anyway a couple of months later ried again and got denied then another $100 week later by mail.

At the 1 year mark with the AF I called the and asked them to wiave the AF, the countered with close the card if you don't want to pay the AF. So I PIF a few days later and called to close the card. They gave me to some specialist that offered me another $100 and waived the fee. I am at $600 right now and on my calendar I am calling them in a week to ask for another CLI. if they tell me no I plan on closing the card for good. I warned them last time I was tired of the CLI game, my credit scores as of lately are all low 700's, my utilization is about 8% and other than the target red card this is the lowest CC I have.

I might add I really dislike HSBC, they call me every 10 days to ask me to take thier creidt card insurance, I have told them no for the last 6 months and they still call.

Re: How is BestBuy Rewards Zone MC with CLI's?

Red1Blue — Tue, 03 Feb 2009 01:02:46 GMT

What is most funny is, I have a BestBuy Biz Card with $15k CL that is also issued by HSBC.

It does not make sense they stick me with $300 BBMC Card with AF.

As soon as I get the card I'll call them to close the account.

Re: How is BestBuy Rewards Zone MC with CLI's?

dollar_bill — Tue, 03 Feb 2009 12:55:59 GMT

I applied for the store card since I had no interest in the MC. I got a $600 cl (oh boy can you say shopping spree?) and waited to get my card in the mail to ask for a cli. Well, I received my card yesterday and I was told I have to wait 45 days to request a cli.

I should have waited until I was at the store to get the card, I have a feeling my limit would of been higher if I had. I did it online, patience isn't my best virtue.

Re: How is BestBuy Rewards Zone MC with CLI's?

Anonymous — Tue, 03 Feb 2009 15:41:08 GMT

My wife and I went into a bestbuy store a little before Christmas and she saw a T.V. that she had wanted. We were not going to get it because we are going to be applying for a house around March , but since she never uses her credit she said that she would try since they had no intrest for 3 years & said payment would be around 50 a month. Well the little sales guy asked her how much she wanted to apply for & she said 2000. Not long he came back with an ok. She had thought it was going to be an installment loan , but no its a bestbuy reward zone Mastercard through HSBC. Her scores at the time were 692 694 & 696. Not credit line increase because its been only 2 months, but her payments are only 22 a month & we have paid 200 each month so far.

Re: How is BestBuy Rewards Zone MC with CLI's?

oracles — Tue, 03 Feb 2009 17:38:14 GMT

@dollar_bill wrote:
I applied for the store card since I had no interest in the MC. I got a $600 cl (oh boy can you say shopping spree?) and waited to get my card in the mail to ask for a cli. Well, I received my card yesterday and I was told I have to wait 45 days to request a cli.

I should have waited until I was at the store to get the card, I have a feeling my limit would of been higher if I had. I did it online, patience isn't my best virtue.

Hi dollar_bill

I definitely think if you apply in the store, you might receive a higher limit. I have read posts here stating they have recieved higher limits applying in the store. Also i think if you go to the store and state you want to purschase something that is higher than your store credit card limit, the sales guy/gal will try to get an increase on your limit so you will be able to buy the item. I am of course speculating but it is worth a try. Again, i have read posts saying they did this exact behavior and their limit was increased.

Let us know if you decide to take this approach and what was the outcome.

Re: How is BestBuy Rewards Zone MC with CLI's?

creditreformer — Tue, 03 Feb 2009 19:21:32 GMT

my experience

300 cl (apped for WRONG cc online- doh clicked the WRONG button)

150 cli @ activation

200 auto cli on SECOND stmt

can't complain so far (only 3 stmts have cut). hoping for another auto cli @ 6 mos.

Re: How is BestBuy Rewards Zone MC with CLI's?

Anonymous — Tue, 03 Feb 2009 21:01:04 GMT

What number is everyone using for a CLI at activation on the BB RZ MC? I'm just wondering if there is a special number I need to call to try this. Thanks!