topic Re: Best Buy Store Card CL & Score in Credit Cards

Best Buy Store Card CL & Score

bichonmom — Sat, 03 Mar 2012 23:57:38 GMT

I'd like to get an idea of the type of approvals people have been getting with Best Buy's STORE card from HSBC (NOT the MC). I'm considering financing a new computer and want to know the types of CLs people are getting with them.

Also, it would be helpful to know what your score was when you were approved (if you have an idea). Thanks!

Re: Best Buy Store Card CL & Score

LS2982 — Sun, 04 Mar 2012 00:02:36 GMT

@bichonmom wrote:
I'd like to get an idea of the type of approvals people have been getting with Best Buy's STORE card from HSBC (NOT the MC). I'm considering financing a new computer and want to know the types of CLs people are getting with them.

Also, it would be helpful to know what your score was when you were approved (if you have an idea). Thanks!

$750CL Plan A Pulled EQ 623 FICO.

Re: Best Buy Store Card CL & Score

RyVision — Sun, 04 Mar 2012 00:09:40 GMT

I'm 99% sure my EQ was under 615 in December of 2010 when I got approved in store for Plan A with a $900 CL. (was before having the one CA removed). The rest of my file was medium thick I'd guess and all perfect.

Re: Best Buy Store Card CL & Score

TeeandDee — Sun, 04 Mar 2012 00:10:50 GMT

What's the Plan A and Plan B?? Where do you find that information?

Re: Best Buy Store Card CL & Score

LS2982 — Sun, 04 Mar 2012 00:11:37 GMT

@bichonmom wrote:
I'd like to get an idea of the type of approvals people have been getting with Best Buy's STORE card from HSBC (NOT the MC). I'm considering financing a new computer and want to know the types of CLs people are getting with them.

Also, it would be helpful to know what your score was when you were approved (if you have an idea). Thanks!

Also, you can call at store and recon a low approval CL Bichon. I don't think you'll have that problem if you wait 6 months and let your recent INQ's age.

Re: Best Buy Store Card CL & Score

LS2982 — Sun, 04 Mar 2012 00:12:40 GMT

@TeeandDee wrote:
What's the Plan A and Plan B?? Where do you find that information?

Pretty much if your APR is higher than 25.24% you have Plan B which is no CLI's $750 permanent limit.

Re: Best Buy Store Card CL & Score

Anonymous — Sun, 04 Mar 2012 00:14:52 GMT

Plan B is an extended line of credit with a set CL max...No cli with this plan......for people with no so good credit history....A plan is regular account with SOME...I stress some CLI .........APR differs from the 2 but if you are going for the 0% its a great card...for now till CAP one takes over...

Re: Best Buy Store Card CL & Score

LS2982 — Sun, 04 Mar 2012 00:18:25 GMT

@Anonymous wrote:
Plan B is an extended line of credit with a set CL max...No cli with this plan......for people with no so good credit history....A plan is regular account with SOME...I stress some CLI .........APR differs from the 2 but if you are going for the 0% its a great card...for now till CAP one takes over...

I think your pretty much golden for CLI's every 6 months as long as your file is looking good with Plan A.

Re: Best Buy Store Card CL & Score

Anonymous — Sun, 04 Mar 2012 00:20:47 GMT

I would not be too sure with cap one taking it over

Re: Best Buy Store Card CL & Score

Anonymous — Sun, 04 Mar 2012 00:22:00 GMT

1 prime card and a BB store card plan A is all i am wanting at the moment ...

I have the B ...thinking of closing it ..opened in 2008 ...

Re: Best Buy Store Card CL & Score

Ron1 — Sun, 04 Mar 2012 00:22:10 GMT

I got approved for $2500 in 2005 and they pulled TU. My Tu was around 740. It's a Plan A. Plan A card will be able to get CLI and the rate is little bit lower around 24.24%.

Ron.

Re: Best Buy Store Card CL & Score

LS2982 — Sun, 04 Mar 2012 00:23:03 GMT

@Anonymous wrote:
1 prime card and a BB store card plan A is all i am wanting at the moment ...

I have the B ...thinking of closing it ..opened in 2008 ...

If your looking for CLI's i'd close it and try again if you can afford the INQ and your EQ score has improved.

Re: Best Buy Store Card CL & Score

Anonymous — Sun, 04 Mar 2012 00:23:25 GMT

I wish they still pulled TU ...thats my best score....looks like its EQ where I am at

Re: Best Buy Store Card CL & Score

Anonymous — Sun, 04 Mar 2012 00:25:19 GMT

Just going to wait for the last of my IIB drops off in June then 1 collection in 12/12 and maybe it will improve.....Just don t know when cap one takes how they will handle these plan B cards...hate to lose the AAOA on this tradeline

Re: Best Buy Store Card CL & Score

LS2982 — Sun, 04 Mar 2012 00:25:28 GMT

@Anonymous wrote:
I wish they still pulled TU ...thats my best score....looks like its EQ where I am at

Is that your current EQ score in your siggy?? You should be just fine for a Plan A card. Can you afford the INQ and new acct hit?

Re: Best Buy Store Card CL & Score

Anonymous — Sun, 04 Mar 2012 00:28:47 GMT

sorry for the hijack......

yes currect score but have a low AAoA...EQ showing 4 years,and 3 inq..to date ..those will drop off in june......

Re: Best Buy Store Card CL & Score

LS2982 — Sun, 04 Mar 2012 00:29:03 GMT

@Anonymous wrote:
sorry for the hijack......

yes currect score but have a low AAoA ,and 3 inq..to date ..those will drop off in june......

Im sorry to Bichon..

Wait unitl june and let them fall off and if you want it go ahead for it!

Re: Best Buy Store Card CL & Score

Anonymous — Sun, 04 Mar 2012 00:48:38 GMT

Do you think I will be ok to apply with the collection that wont drop off till 12/12??

also have a BK 7 from 2005

just all the IIB and inq drop off in June

Re: Best Buy Store Card CL & Score

LS2982 — Sun, 04 Mar 2012 00:48:25 GMT

@Anonymous wrote:
Do you think I will be ok to apply with the collection that wont drop off till 12/12??

just all the IIB and inq drop off in June

I think you'll be fine, but if you have the patience to wait it out it would be better because you'll probably get a better CL with a clean report.

Re: Best Buy Store Card CL & Score

Anonymous — Sun, 04 Mar 2012 00:50:15 GMT

wait for this card till my BK 7 drops off in 3 years or do you think it matters??

just dont want to close and get another B plan card