topic Re: Best Buy MC CLOSED~ BYE in Credit Cards

Best Buy MC CLOSED~ BYE

Creditaddict — Wed, 25 Jan 2012 18:36:29 GMT

Called in, she wanted to transfer me to specialist (retention I assume) She quickly came back and said the hold was to long and she would help me if that was okay. I said that is fine but I would have thought HSBC would want to try to keep me as a customer and offer something and you can't do that so... So she said she would try again and she quickly came back and said the hold was just to long she would have to help me.... Okay... She says I understand you are upset about the CLD but I can put in a request now for CLI if you wish? WHY, it's been days since the CLD and 2 credit people said no, why would the computer say yes, it was the computer that did the CLD!

Okay she said, and starts to tell me about my MasterCard that can be used outside of Best Buy and that I earn 2%.... Me - Im sorry but I have had the card for 18 months, I know where I can use it and what rewards I have so if you can't help me with my CL we can save ourselfs some time. Account Closed!

Re: Best Buy MC CLOSED~ BYE

Anonymous — Wed, 25 Jan 2012 18:40:57 GMT

Good Riddance. they didn't deserve your business anyway!

Re: Best Buy MC CLOSED~ BYE

Anonymous — Wed, 25 Jan 2012 18:42:02 GMT

Sounds like a little piece of garbage, from what I have heard about BB cards. What was the limit, $200? I don't think I've ever heard of getting a limit of more than a couple hundred from them. And I heard that they have big annual fees, too. Better off being rid of that blight on your credit report.

Re: Best Buy MC CLOSED~ BYE

pizzadude — Wed, 25 Jan 2012 18:42:20 GMT

This was your card with ~$300 limit right ?? Good for you, time to move on for sure....

Re: Best Buy MC CLOSED~ BYE

RockinRay — Wed, 25 Jan 2012 18:52:30 GMT

@pizzadude wrote:

This was your card with ~$300 limit right ?? Good for you, time to move on for sure....

+1 - move on and do not look back!

I had a problem with a BBRZMC a couple of years back. I think the card had a $2700 limit or something like that. They decided to CLD me down to $1000 CL. I called and fussed and they would not do a thing to put it where it was. CLOSED! I told them I refused to do business with any company that treated me like that.

Good riddance!

Re: Best Buy MC CLOSED~ BYE

Creditaddict — Wed, 25 Jan 2012 19:02:44 GMT

@pizzadude wrote:

This was your card with ~$300 limit right ?? Good for you, time to move on for sure....

Yes $300 increased to $600 back in Oct. or Nov I think when we all were getting $100-$300 CLI. Then in Dec. it got dropped back to $300 and the letter reason for the CLD was "Excessive Transactions in 1 month, viewed and risky!" yes wording might be little off, can't remember if it was "transactions or swiping" but it was to many in one month and viewed as a high risk... after the credit person looked at my account with payments for balance in full including pending each week she put it back to $600, jan 3 I took a HP for CLI above $600 and it was declined, I did not know at time I took a HP (Mad!) then the system shows it looked at my account on Jan 17 and CLD to $305. Based on the Jan 3 review the computer had done the decrease it just didn't happen until just couple days ago and 2 reps said that based on BK and mortgage foreclosure I no longer "Qualify" for a $600 CL.

Re: Best Buy MC CLOSED~ BYE

CS800 — Wed, 25 Jan 2012 19:03:43 GMT

My BBRZMC is next on my list for the shredder.

Re: Best Buy MC CLOSED~ BYE

Datx — Wed, 25 Jan 2012 19:11:58 GMT

My BBRZMC is still alive because of no AF. Still at a small $500 CL though. But if they change it and start charging an AF, it will be closed, no doubt.

Re: Best Buy MC CLOSED~ BYE

Creditaddict — Wed, 25 Jan 2012 19:19:19 GMT

@Datx wrote:
My BBRZMC is still alive because of no AF. Still at a small $500 CL though. But if they change it and start charging an AF, it will be closed, no doubt.

See mine had no annual fee either and I really wanted it to move to Cap1 but in the end I just decided that Im so obsessed with my credit cards that I won't be able to just pay it off and put it in a drawer and do nothing with it until it moves to Cap1 or they close it... It would pop into my thoughts at some point with what terrible CS I got and the things they said to me and I would not be able to keep myself from calling in to see if I got a nicer person and I would most liely not and then I would get really upset about it again and it would just be a cycle that's not worth it for $300 or $600 if they gave it back to me!

Re: Best Buy MC CLOSED~ BYE

afbar1114 — Wed, 25 Jan 2012 21:44:48 GMT

i plan on closing mine before my $59 AF hits in about 3 months i am stuck at $300 with this card and cant buy anything..walked in to bestbuy monday and got the store card with a $1000 limit now i can buy stuff at bestbuy..maybe in a year or so ill get a CLI or got to the plan A card because i am on the plan B card right now

Re: Best Buy MC CLOSED~ BYE

Anonymous — Wed, 25 Jan 2012 22:40:50 GMT

I think BBRZMC is one of few cards you can still use the adwards after the account is closed since the rewards are kept on the best buy site, atleast it worked for me

Re: Best Buy MC CLOSED~ BYE

afbar1114 — Wed, 25 Jan 2012 22:43:05 GMT

@CS800 wrote:
My BBRZMC is next on my list for the shredder.

My BBRZMC already went thru it and i didnt even close it yet lol...now i can pay it off and now worry about putting anything on it and when i get home tonight my FP is going there as well.. cant wait to close BBRZMC before that $60 AF hits

Re: Best Buy MC CLOSED~ BYE

Ron1 — Wed, 25 Jan 2012 23:43:04 GMT

I'm glad you finally closed it .

Ron.

Re: Best Buy MC CLOSED~ BYE

bichonmom — Thu, 26 Jan 2012 00:29:17 GMT

Congrats! I bet it felt great!

Re: Best Buy MC CLOSED~ BYE

Red1Blue — Thu, 26 Jan 2012 01:02:21 GMT

I should also close my bbrz mastercard one of these days. I have AF on the card and it does not grow. I also have the bestbuy storecard with AF. I'll close it when it comes to renewal and charge me AF.

Re: Best Buy MC CLOSED~ BYE

afbar1114 — Thu, 26 Jan 2012 01:33:10 GMT

Not closed yet will close in a month or so just using it as utl for now but nothings on it

Re: Best Buy MC CLOSED~ BYE

Anonymous — Thu, 26 Jan 2012 04:43:57 GMT

So glad you got rid of them.

I cancelled mine last year. Stuck at 750CL and they refused to do anything. NEVER got a CLI. But I never got a CLD either.

They are a horror to talk to. I felt so good cutting up that stinking card into tiny pieces!!! Every snip I repeated "you suck, you suck, you suck".

Re: Best Buy MC CLOSED~ BYE

MagicShot — Thu, 26 Jan 2012 17:36:29 GMT

Man and I thought my limit of 850 was low. wow. They closed my account along with 4 other HSBC accounts too.