topic Re: Best Buy Reward Zone Mastercard in Credit Cards

Best Buy Reward Zone Mastercard

Amleigh — Mon, 01 Mar 2010 21:03:27 GMT

I used the pre approval link for the Best Buy Reward Zone Mastercard, and I was prequalified for the Gold Card with no annual fee (The no annual fee part really surprised me since I always have to pay an annual fee! I tried this link about a month ago and was only offered the secured card, so I'm very excited. I'm in the process of rebuilding my credit, especially my Experian report, which is the one they pulled). Is this a good card to apply for? I currently have a Credit One Bank Credit Card, Fingerhut, Kays, and Jared, all which have low debt to limit ratios. Should I apply for this card? Also, my TransUnion Report is a 620, and a lot of my prior creditors did not report to TU, so I don't have many tradelines reporting on TU. Can anyone recommend a card that pulls Transunion? Thanks in advance.

Re: Best Buy Reward Zone Mastercard

Creditaddict — Mon, 01 Mar 2010 22:39:53 GMT

I would say yes if all you have is a Credit One Card for Visa/Mastercard

Re: Best Buy Reward Zone Mastercard

Anonymous — Tue, 02 Mar 2010 02:16:09 GMT

I currently have both a Capital One card and a PNC rewards card which I have no use for. My RZMC is my primary card of choice. On avereage I spend anywhere from $800 - $1500 / month on this card which earns me a decent chunk of cash to use at Best Buy.

250 points = $5

1 point = $1.00 at BB.

.5 point = $1.00 anywhere.

When you spend $2500 in a calendar year (on anything), you'll become a Premier Silver member which earns you a 50% bonus in points for items purchased at best buy... so...

It's not a bad gig when you can get $20+ each month to use at the store. Buying video games earns even more, for every $150 you spend, you get $10 back.

Re: Best Buy Reward Zone Mastercard

Anonymous — Tue, 02 Mar 2010 03:30:28 GMT

@Anonymous wrote:
I currently have both a Capital One card and a PNC rewards card which I have no use for. My RZMC is my primary card of choice. On avereage I spend anywhere from $800 - $1500 / month on this card which earns me a decent chunk of cash to use at Best Buy.

250 points = $5

1 point = $1.00 at BB.
.5 point = $1.00 anywhere.

When you spend $2500 in a calendar year (on anything), you'll become a Premier Silver member which earns you a 50% bonus in points for items purchased at best buy... so...

It's not a bad gig when you can get $20+ each month to use at the store. Buying video games earns even more, for every $150 you spend, you get $10 back.

2 points for every dollar purchased at Best Buy, actually, when using the Best Buy RewardZone MasterCard.

Message Edited by JMN on 03-01-2010 07:30 PM

Re: Best Buy Reward Zone Mastercard

egold1234 — Tue, 02 Mar 2010 03:42:00 GMT

Can you share that pre-approval link?

Thanks!

Re: Best Buy Reward Zone Mastercard

Amleigh — Tue, 02 Mar 2010 13:41:16 GMT

https://www.hsbcapply.com/start/rewardzonemastercard?media=B5IM29H20061100001EM

Here ya go!

Re: Best Buy Reward Zone Mastercard

Amleigh — Tue, 02 Mar 2010 15:03:40 GMT

What type of limit did they start you off with, if you don't mind my asking. I don't wanna apply and only get like a $300 limit. My others are around $1000.

Re: Best Buy Reward Zone Mastercard

Anonymous — Tue, 02 Mar 2010 15:19:56 GMT

Is this a soft pull?

Re: Best Buy Reward Zone Mastercard

Anonymous — Tue, 02 Mar 2010 15:55:30 GMT

The pre-approve is a softpull. I was pre-approved last week for a gold card and then was denied once I applied due to "insufficient credit references". Also, I believe they hard pull EQ now.

Re: Best Buy Reward Zone Mastercard

Mace — Tue, 02 Mar 2010 16:18:23 GMT

I did the pre-qual yesterday and was pre-qualified for the BB mastercard. I applied and was declined. The reason stated "Insufficient credit references".

They pulled TU. I have no credit cards whatsoever. I do have one revolving account that shows as closed as of 2005. My TU FAKO is 704. I tried to pull actual FICO's from this site but couldn't. You might want to apply in the store. I've heard you get better results this way.

Re: Best Buy Reward Zone Mastercard

Anonymous — Tue, 02 Mar 2010 16:47:07 GMT

be very careful with this card. I have had this card for almost 3yrs now and I am stuck at 300 credit limit. I called every backdoor number and spoke to every rep I could and they told me that the max I can EVER get is 300 on this card, I can not upgrade to another account..etc. This card has never been paid late, and I keep using it and then paying it off. I would say negotiate what amount they give you first if they try and give you 300 as a limit. But other than that I love this card. I have the card that attaches to my cell phone so when I go to places like McDonalds or Best Buy I can just tap my phone on the swipe pad and go..its great because I always seem to leave my wallet in the car but my phone is always with me.

Re: Best Buy Reward Zone Mastercard

Amleigh — Tue, 02 Mar 2010 20:01:34 GMT

Yes, it is a soft pull. If you decide to go ahead and apply, it's a hard pull.

Re: Best Buy Reward Zone Mastercard

Anonymous — Fri, 05 Mar 2010 00:44:23 GMT

@Anonymous wrote:
be very careful with this card. I have had this card for almost 3yrs now and I am stuck at 300 credit limit. I called every backdoor number and spoke to every rep I could and they told me that the max I can EVER get is 300 on this card, I can not upgrade to another account..etc. This card has never been paid late, and I keep using it and then paying it off. I would say negotiate what amount they give you first if they try and give you 300 as a limit. But other than that I love this card. I have the card that attaches to my cell phone so when I go to places like McDonalds or Best Buy I can just tap my phone on the swipe pad and go..its great because I always seem to leave my wallet in the car but my phone is always with me.

I dont follow, how does that work?

Re: Best Buy Reward Zone Mastercard

Anonymous — Fri, 05 Mar 2010 01:16:45 GMT

They do give more than 300 limits I got end of jan 2010 a 2000 limit GL.It was the hsbcMC no annual fee the best they offer

Re: Best Buy Reward Zone Mastercard

Anonymous — Fri, 05 Mar 2010 04:11:04 GMT

its a pay pass sticker you can attach to either your phone or ipod, etc and all you do is tap it on the pin pad and like magic your card is charged.....lol..only if like magic the bill got paid too....lol...its a test trial that they offer, if you want the info you can PM me and I will try and find the website you need to go to to get it.

Re: Best Buy Reward Zone Mastercard

Anonymous — Fri, 05 Mar 2010 07:26:58 GMT

I actually have two BB RZMC one is a Gold with an annual fee it has a CL of $900

The other is a Platinum with no annual fee with a CL of $6000.

I plan to close the Gold card in a few months when the annual fee is due.

Re: Best Buy Reward Zone Mastercard

Anonymous — Fri, 05 Mar 2010 07:54:53 GMT

@Anonymous wrote:
I actually have two BB RZMC one is a Gold with an annual fee it has a CL of $900
The other is a Platinum with no annual fee with a CL of $6000.
I plan to close the Gold card in a few months when the annual fee is due.

I will agree that you can get a decent CL from HSBC with this card. I app'd in October 09 and got the platinum card with no AF and a CL of $4000.

Re: Best Buy Reward Zone Mastercard

Anonymous — Sat, 06 Mar 2010 02:22:32 GMT

@Anonymous wrote:
its a pay pass sticker you can attach to either your phone or ipod, etc and all you do is tap it on the pin pad and like magic your card is charged.....lol..only if like magic the bill got paid too....lol...its a test trial that they offer, if you want the info you can PM me and I will try and find the website you need to go to to get it.

yes please, that would be lovely..

Re: Best Buy Reward Zone Mastercard

Anonymous — Sat, 06 Mar 2010 11:27:46 GMT

@Anonymous wrote:
@Anonymous wrote:
I actually have two BB RZMC one is a Gold with an annual fee it has a CL of $900
The other is a Platinum with no annual fee with a CL of $6000.
I plan to close the Gold card in a few months when the annual fee is due.
I will agree that you can get a decent CL from HSBC with this card. I app'd in October 09 and got the platinum card with no AF and a CL of $4000.

I have the same thing, Platinum w/n AF and a CL of $500.

Re: Best Buy Reward Zone Mastercard

blacklotus — Sat, 06 Mar 2010 13:55:40 GMT

After reading this thread I went to the link for the preselection and apped. I was preselected for the Platinum Card and apped today. I got a phone call while my app was processing to verify my phone number- it was a robot just to make sure my home phone works. I got a 10-14 day message. I'll update this. I have had a Rewards Program Card with Best Buy for about three years and they also asked me for this number on the app.

BTW I have never apped with HSBC. I'm trying to get a high CL to lower my overall util.