topic Re: Just hit the Best Buy luv button in Credit Cards

Just hit the Best Buy luv button

Anonymous — Mon, 02 Mar 2009 07:19:53 GMT

My CL went from $2200 to $3100. I'm pretty sure it will be a INQ on my reports when I check tomorrow but it was worth it. I think you're allowed a CLI every 4 Months with Best Buy.

Message Edited by l9ikjam on 03-01-2009 11:19 PM

Re: Just hit the Best Buy luv button

laz98 — Mon, 02 Mar 2009 08:32:16 GMT

store card or mastercard?

we have the mastercard, & they told me you can only have one CLI every 6 months.

Re: Just hit the Best Buy luv button

LisaJ — Mon, 02 Mar 2009 12:42:28 GMT

Awesome!

I also have $2200 (was my initial). DO you know yet if it was a hard pull? How long since you got the card and/or last CLI?

I am afraid to try this...even though I have bought several items and PIF'ed...it has only been since December. AND my FICOS aren't as good as yours--mid score is hovering around 670.

Awesome for you!

Lisa

Re: Just hit the Best Buy luv button

haulingthescoreup — Mon, 02 Mar 2009 12:47:19 GMT

I have the store card. I called and asked for a CLI at six months and got a frosty "no." Then 3-4 weeks ago, a thread was going about the luv button. I hit it and went from $2,500 (initial) to $4K. It was definitely not a hard. It was either internal review or a soft on EQ, but Equifax has goobered up my Credit Watch Gold, and I haven't been able to pull a report in a while.

Re: Just hit the Best Buy luv button

LisaJ — Mon, 02 Mar 2009 12:57:36 GMT

Hauling, did you have a balance when you hit the luv? I think it is too soon for me to hit the luv...I apped and received in Nov/Dec...but I did buy a lot over Christmas and in January and PIF'ed both times. If they are in a generous mood and it's a soft, no harm, no foul, but nervous about it. (I tend to get over excited when apping and don't want to set off my apping finger!)

Re: Just hit the Best Buy luv button

Anonymous — Mon, 02 Mar 2009 13:09:39 GMT

I think it was 4 r 5 Months ago when I last hit the luv button and i haven't received a hard hit so far. This is the 1st time i hit the luv button while having a balance($700). I normally try for 1 every 4 Months. Now I just hope National City email me saying I was approved for the $5000 CLI I asked for.

Re: Just hit the Best Buy luv button

Anonymous — Mon, 02 Mar 2009 13:19:12 GMT

I got the card 7 Months ago and my limits went as such. Started at $1100 then $1400 up to $1700 then $2200 & finally $3100.

Re: Just hit the Best Buy luv button

Red1Blue — Mon, 02 Mar 2009 15:35:59 GMT

Is it a store card or Mastercard?

Re: Just hit the Best Buy luv button

Anonymous — Mon, 02 Mar 2009 15:49:04 GMT

It's the store card.

Re: Just hit the Best Buy luv button

LisaJ — Mon, 02 Mar 2009 18:22:47 GMT

I let my fingers get itchy and pushed it--declined.

Score when I was approved: 662

Score today: 677

I have spent almost $1000 since getting the card and have PIF'ed every time. Util is showing at about 15% right now due to the way things report, but I am under 9% currently.

I am just about a week shy of three months.

Can those of you that did get luv post the amount of time you had the card before you pushed the button (if you didn't share already)?

Also, do I now have to wait another 3-6 months? Any insight?

I would like the extra $, but in all honesty, it is more to raise my util.

When I get the reasons why letter, I will share.

And thanks to all here--I have raised my EQ sore 20 oints since joining.

Re: Just hit the Best Buy luv button

haulingthescoreup — Mon, 02 Mar 2009 20:42:58 GMT

LisaJ wrote:

Hauling, did you have a balance when you hit the luv? I think it is too soon for me to hit the luv...I apped and received in Nov/Dec...but I did buy a lot over Christmas and in January and PIF'ed both times. If they are in a generous mood and it's a soft, no harm, no foul, but nervous about it. (I tend to get over excited when apping and don't want to set off my apping finger!)

No balance showing, and really, I've hardly used the thing at all. Go figure!

Never carried a balance, and only had one post a few times when I missed the PIF-before-statement thing. The highest balance ever reported was $233. At the time of the CLI, I think my EQ was 716.

They must know that I'm jonesing for a MacBook Pro.

Re: Just hit the Best Buy luv button

Anonymous — Tue, 03 Mar 2009 04:49:01 GMT

LisaJ U should be good after your next statement. Ever since I read on this board that a lot of people were getting there 1st CLI on the 4th statement and then every 4 Month after that I have yet to get declined.

Re: Just hit the Best Buy luv button

LisaJ — Tue, 03 Mar 2009 12:25:37 GMT

Thanks, guys. I was pretty upset with myself, but my fingers got so itchy. THANK God it isn't a hard. I am SO excited to have raised my FICO 20 points since hanging out here. I never believed it was possible. I want to be a part of the 700 club so bad, and I am so close!

I should be due for a Macy's increase, too. We will see--I will wait a little longer than the norm for that, just in case.

When I get my "reason" letter, hopefully it will just say something about the account being too new. Crossing fingers and will keep you all posted!

LisaJ

Re: Just hit the Best Buy luv button

haulingthescoreup — Tue, 03 Mar 2009 12:38:26 GMT

LisaJ wrote:

...When I get my "reason" letter, hopefully it will just say something about the account being too new. Crossing fingers and will keep you all posted!

LisaJ

That's what mine said. And now that I think about it, I must have tried several times, because I remember several letters, lol.

Good luck!

Re: Just hit the Best Buy luv button

LisaJ — Tue, 03 Mar 2009 14:58:12 GMT

Thanks, Hauling...you inspire me, as always!

Re: Just hit the Best Buy luv button

Anonymous — Tue, 03 Mar 2009 17:51:08 GMT

A couple of weeks ago I did something I said I'd never do again - and that is apply for another store card. And the store card happened to be BB. They gave me a BB store card with a 5k limit and it cost me a hard EQ inquiry (20 points).

I like BB - but always pay with a regular MC or Visa. Now, I have 3 TV's all purchased at BB. But, I feel bad about the 20 points it cost me.

Ugh............

Re: Just hit the Best Buy luv button

Anonymous — Tue, 03 Mar 2009 18:29:46 GMT

I'm new to this forum but I've been in the credit game for about two years now.

I get approved for a CLI on my Best Buy store card every 6 months. If I hit the love button prematurely, it's an automatic denial. I'm expecting a CLI on my card this week as it's been 6 months since last my CLI. My current CL is $2,300 and hope for a CLI that will raise my CL to at least $3k.

Re: Just hit the Best Buy luv button

Anonymous — Tue, 03 Mar 2009 19:05:33 GMT

haulingthescoreup
Moderator

I have the store card. I called and asked for a CLI at six months and got a frosty "no." Then 3-4 weeks ago, a thread was going about the luv button. I hit it and went from $2,500 (initial) to $4K. It was definitely not a hard. It was either internal review or a soft on EQ, but Equifax has goobered up my Credit Watch Gold, and I haven't been able to pull a report in a while.

Mine is messed up too. I havn't been able to pull a new report in over a week. What's up with that?

Re: Just hit the Best Buy luv button

wildbillcody — Tue, 03 Mar 2009 20:37:16 GMT

i don't mean to sound stupid but what the heck is luv button??????

Re: Just hit the Best Buy luv button

llecs — Tue, 03 Mar 2009 21:02:13 GMT

wildbillcody wrote:
i don't mean to sound stupid but what the heck is luv button??????

It is a link after you log in and found on many CC's websites that allows you to request a CLI if you so choose.