topic New Best Buy card (HSBC) in Credit Cards

New Best Buy card (HSBC)

RABQUE — Sun, 26 Sep 2010 15:43:40 GMT

I applied for and was approved for a Best Buy last Sunday. They approved me for a $1900 CL...I immediately requested an increase but they denied my request. I wanted to know if there is a chance that I could get the increase by calling the back door number???

Re: New Best Buy card (HSBC)

Anonymous — Sun, 26 Sep 2010 15:55:33 GMT

I got decline my first time also but normally they will give u a CLI after every six months

Re: New Best Buy card (HSBC)

smc733 — Sun, 26 Sep 2010 17:44:14 GMT

Usually the CL they approve you at is algorithmically determined. So until you develop more history with them, you're almost always tuck with what they gave you. I don't think I've ever heard of someone getting their CL changed at approval time.

Re: New Best Buy card (HSBC)

Anonymous — Mon, 27 Sep 2010 09:32:18 GMT

@RABQUE wrote:
I applied for and was approved for a Best Buy last Sunday. They approved me for a $1900 CL...I immediately requested an increase but they denied my request. I wanted to know if there is a chance that I could get the increase by calling the back door number???

I used to work for Best Buy as a Sales & Financing Specialist, and in my almost three years there, I had only seen, one time, where someone got a CLI at time of application. All other requests were denied - even by calling internal numbers.

Give it six months, and it will move.

Re: New Best Buy card (HSBC)

Anonymous — Tue, 28 Sep 2010 01:01:11 GMT

What's the best way to ditch the BB store card, tier 2 with the maximum $800 limit, and get a BB store card with a higher limit? Has anyone ever done that?

Re: New Best Buy card (HSBC)

Anonymous — Tue, 28 Sep 2010 03:29:55 GMT

@Anonymous wrote:
What's the best way to ditch the BB store card, tier 2 with the maximum $800 limit, and get a BB store card with a higher limit? Has anyone ever done that?

I did just that earlier this year. Had the Tier B with $800 that I got by applying on the internet back last October. Applied in-store in March or April of this year and got Tier A with a $3600 limit. My scores had improved by a few points.

Re: New Best Buy card (HSBC)

Anonymous — Tue, 28 Sep 2010 07:09:40 GMT

thanks for the reply...do you know what CB they pulled on your in-store app?

Re: New Best Buy card (HSBC)

valley_man0505 — Wed, 29 Sep 2010 15:24:28 GMT

How do you know if you are Tier A or Tier B? I have tried finding out with customer service, but I never get an answer. They claim that it is possible for me to get a CLI, but I have had the card for over two years and am still at my original $500 limit. I have asked for a CLI and have had the customer service agent "process" my request while on the phone, but they deny it every time in literally less than 10 seconds and I never get an inquiry. The quick response and lack of INQ would lead me to believe that I am Tier B and will never be eligible for a CLI, but then why would they tell me it is possible for me to get a CLI?

Re: New Best Buy card (HSBC)

Woolfman — Wed, 29 Sep 2010 16:07:22 GMT

@Anonymous wrote:

@Anonymous wrote:
What's the best way to ditch the BB store card, tier 2 with the maximum $800 limit, and get a BB store card with a higher limit? Has anyone ever done that?
I did just that earlier this year. Had the Tier B with $800 that I got by applying on the internet back last October. Applied in-store in March or April of this year and got Tier A with a $3600 limit. My scores had improved by a few points.

did you close the one before you applied for the other?

Re: New Best Buy card (HSBC)

Anonymous — Wed, 29 Sep 2010 16:07:49 GMT

The tier B maximum credit limit is $800. I'm not sure how you find out what tier cc you have except to keep asking customer service.

Re: New Best Buy card (HSBC)

Woolfman — Wed, 29 Sep 2010 16:10:10 GMT

@Anonymous wrote:
The tier B maximum credit limit is $800. I'm not sure how you find out what tier cc you have except to keep asking customer service.

Im pretty positive i have the tier b card and my CL is 850 .