topic Re: Best Buy credit card in Credit Cards

Best Buy credit card

LS2982 — Sat, 23 Apr 2011 18:44:39 GMT

I want to get at least one retail card, I've pretty much squared away all my collections debt (removed) and am waiting for EQ to delete some check fraud from a while back. What kind of scores do they look for?? Anyone have their card?

Re: Best Buy credit card

tntexans72 — Sat, 23 Apr 2011 19:15:31 GMT

I applied a few yrs back when my score was in the high 500's and was declined. Applied recently when my score was mid 600's and approved. Good luck !

Re: Best Buy credit card

Eddie24CO — Sat, 23 Apr 2011 20:03:17 GMT

I have the BB Mastercard and actually it is a complete joke. You need at least a 560, but it is through HSBC and they only gave me $100 CL with no AF. It is absoultely stupid, i took it just so i can improve my overall credit limit utlization and improve my scores, but i don't use it other than to pump $10.00 in gas and PIF each month.

The actual Best Buy Card is through Chase Bank and you have to have at least a 700 FICO to get approved.

I have had it for a year and they refuse to give me a CLI.

I'd say if your looking for a card to go w/ secured one w/ Capital One. I just applied and got approved for a $49.00 fee and you will be treated a lot better than best buy.

Re: Best Buy credit card

LS2982 — Sat, 23 Apr 2011 20:24:10 GMT

@Eddie24CO wrote:
I have the BB Mastercard and actually it is a complete joke. You need at least a 560, but it is through HSBC and they only gave me $100 CL with no AF. It is absoultely stupid, i took it just so i can improve my overall credit limit utlization and improve my scores, but i don't use it other than to pump $10.00 in gas and PIF each month.

The actual Best Buy Card is through Chase Bank and you have to have at least a 700 FICO to get approved.

I have had it for a year and they refuse to give me a CLI.

I'd say if your looking for a card to go w/ secured one w/ Capital One. I just applied and got approved for a $49.00 fee and you will be treated a lot better than best buy.

I have that one already, I want to get a retail card in like 6 months. So the best buy retail card is through Chase bank?

Re: Best Buy credit card

smc733 — Sat, 23 Apr 2011 20:44:59 GMT

@Eddie24CO wrote:

The actual Best Buy Card is through Chase Bank and you have to have at least a 700 FICO to get approved.

This hasn't been true since last year. When Circuit City went out of business, Circuit City CCs through Chase became BB Cards, in addition to HSBC. They had a dual approval, where if you got declined for HSBC, you were considered by Chase.

Now, the Chase cards exist, but cannot be applied for, nor do they earn Rewardszone points.

You can only apply for:

HSBC Store Card

HSBC BB MasterCard

Re: Best Buy credit card

cw81 — Sat, 23 Apr 2011 21:36:54 GMT

@LS2982 wrote:
I want to get at least one retail card, I've pretty much squared away all my collections debt (removed) and am waiting for EQ to delete some check fraud from a while back. What kind of scores do they look for?? Anyone have their card?

The bestbuy retail card requires good to excellent credit I believe the low scores approved for that are like 680 but most people say you have to be in the 700s /

Re: Best Buy credit card

LS2982 — Sat, 23 Apr 2011 22:02:44 GMT

@cw81 wrote:

@LS2982 wrote:
I want to get at least one retail card, I've pretty much squared away all my collections debt (removed) and am waiting for EQ to delete some check fraud from a while back. What kind of scores do they look for?? Anyone have their card?
The bestbuy retail card requires good to excellent credit I believe the low scores approved for that are like 680 but most people say you have to be in the 700s /

Good to know, May wait like 6-8 months and see what my scores are looking like. That target card doesn't seem like a bad idea. You know anything about the home depot card?? I do alot of shopping there with my job.

Re: Best Buy credit card

cw81 — Sat, 23 Apr 2011 22:13:26 GMT

Home depot is backed by Citi if i recall right its also one of the harder retail cards to get you would need to be in mid 600s I believe to get them they tend to pull EX or in some cases EQ where I am. Lowes is slightly easier backed by GEMB and they normally pull EQ and sometimes TU.

Re: Best Buy credit card

Anonymous — Sat, 23 Apr 2011 22:20:38 GMT

@cw81 wrote:
Home depot is backed by Citi if i recall right its also one of the harder retail cards to get you would need to be in mid 600s I believe to get them they tend to pull EX or in some cases EQ where I am. Lowes is slightly easier backed by GEMB and they normally pull EQ and sometimes TU.

DH just got approved for Lowe's this month and they pulled TU. I'm really pleased that he got this, as they just instituted a new incentive -- 5% discount at the register on all purchases if you pay with their card!

Re: Best Buy credit card

LS2982 — Sat, 23 Apr 2011 22:27:56 GMT

@cw81 wrote:
Home depot is backed by Citi if i recall right its also one of the harder retail cards to get you would need to be in mid 600s I believe to get them they tend to pull EX or in some cases EQ where I am. Lowes is slightly easier backed by GEMB and they normally pull EQ and sometimes TU.

Would it be in my best interest to get a secured Citi card then?? PIF for like 6 months and if scores are mid 650's i should have a great chance in getting the home depot card. I know i would use that card regularly for tools and all.

Re: Best Buy credit card

cw81 — Sat, 23 Apr 2011 22:39:52 GMT

@LS2982 wrote:

@cw81 wrote:
Home depot is backed by Citi if i recall right its also one of the harder retail cards to get you would need to be in mid 600s I believe to get them they tend to pull EX or in some cases EQ where I am. Lowes is slightly easier backed by GEMB and they normally pull EQ and sometimes TU.
Would it be in my best interest to get a secured Citi card then?? PIF for like 6 months and if scores are mid 650's i should have a great chance in getting the home depot card. I know i would use that card regularly for tools and all.

Naah i dont think its worth it , its been a while but if I remember right (do a search on here and google citi secured) Citi secured is more geared towards no credit profiles not profiles with baddies I wouldn't waste an INQ . Trust me I know you say money doesnt grow on trees but while you clean up your baddies if you can up your limit to about a 1000 each or more you will not need another secured card You will get unsecured cards with good limits . Take this period to be your incubation period its slow and can be frustrating and if you are anything like me very impatient and want things to happen quickly,

I know the feeling itching to get things done but sometimes the best moves are the ones not made.

Re: Best Buy credit card

LS2982 — Sat, 23 Apr 2011 22:45:34 GMT

@cw81 wrote:

@LS2982 wrote:

@cw81 wrote:
Home depot is backed by Citi if i recall right its also one of the harder retail cards to get you would need to be in mid 600s I believe to get them they tend to pull EX or in some cases EQ where I am. Lowes is slightly easier backed by GEMB and they normally pull EQ and sometimes TU.
Would it be in my best interest to get a secured Citi card then?? PIF for like 6 months and if scores are mid 650's i should have a great chance in getting the home depot card. I know i would use that card regularly for tools and all.

Naah i dont think its worth it , its been a while but if I remember right (do a search on here and google citi secured) Citi secured is more geared towards no credit profiles not profiles with baddies I wouldn't waste an INQ . Trust me I know you say money doesnt grow on trees but while you clean up your baddies if you can up your limit to about a 1000 each or more you will not need another secured card You will get unsecured cards with good limits . Take this period to be your incubation period its slow and can be frustrating and if you are anything like me very impatient and want things to happen quickly,

I know the feeling itching to get things done but sometimes the best moves are the ones not made.

Good advice, Yes im very impatient LMAO but I will hold off for a few months and garden my secured babies and CLI when I can. That FP card is gonna be hard to get upto 1K but 100 here and there will get it!

Re: Best Buy credit card

669 — Sun, 24 Apr 2011 16:11:07 GMT

If this helps.............

I got my Best Buy store card (HSBC) in 12/2008 with a EQ score of 670 and got a $2000.00 CL. Since then it has gone up to $6800.00 with the LUV button every 6 months.

Re: Best Buy credit card

LS2982 — Sun, 24 Apr 2011 17:17:09 GMT

@669 wrote:
If this helps.............

I got my Best Buy store card (HSBC) in 12/2008 with a EQ score of 670 and got a $2000.00 CL. Since then it has gone up to $6800.00 with the LUV button every 6 months.

I'm SO pumped to get this card!!!! Gotta wait tho