topic Re: Approved for Best Buy Reward Zone Mastercard! in Credit Cards

Approved for Best Buy Reward Zone Mastercard!

Anonymous — Mon, 23 Apr 2012 02:17:41 GMT

Just thought I'd share! I've applied twice before, but I was denied both times. It's crazy how much easier it is to get cards now that I have a longer and better credit history!

BTW, any way to find out my credit limit? I applied online and was approved instantly.

- Adam

Edit: My current scores are right around the 720 range according to USAA creditcheck. My AAoA is 6 months, UTIL is 29%, and income is 25K.

Re: Approved for Best Buy Reward Zone Mastercard!

Jake0215 — Mon, 23 Apr 2012 02:17:54 GMT

@Anonymous wrote:
Just thought I'd share! I've applied twice before, but I was denied both times. It's crazy how much easier it is to get cards now that I have a longer and better credit history!

BTW, any way to find out my credit limit? I applied online and was approved instantly.

- Adam

Unfortunetly it's most likely another low limit card, especially the MasterCard version. You have an Amex now, why go back to subprime?

Re: Approved for Best Buy Reward Zone Mastercard!

Mike360 — Mon, 23 Apr 2012 02:24:40 GMT

If I had to guess try https://www.hsbcapply.com/status/rewardzonemastercard MasterCard is usually very low limits to start and hard to get CLI. Believe your score was great for reg store card but maybe your AAoA held you back.

Re: Approved for Best Buy Reward Zone Mastercard!

mxp114 — Mon, 23 Apr 2012 02:26:52 GMT

Congrats on the card. RZMC also comes in prime flavor, a Platinum version with $5k+ line, 17.99% APR and the ability to earn Premier Silver status via non-BB purchases. Also includes all the 0% financing offers that the store card has.

Re: Approved for Best Buy Reward Zone Mastercard!

Mike360 — Mon, 23 Apr 2012 02:30:39 GMT

Have a link? I didn't know they still offered that version.

@mxp114 wrote:
Congrats on the card. RZMC also comes in prime flavor, a Platinum version with $5k+ line, 17.99% APR and the ability to earn Premier Silver status via non-BB purchases. Also includes all the 0% financing offers that the store card has.

Re: Approved for Best Buy Reward Zone Mastercard!

Anonymous — Mon, 23 Apr 2012 02:55:19 GMT

@Jake0215 wrote:
@Anonymous wrote:
Just thought I'd share! I've applied twice before, but I was denied both times. It's crazy how much easier it is to get cards now that I have a longer and better credit history!

BTW, any way to find out my credit limit? I applied online and was approved instantly.

- Adam
Unfortunetly it's most likely another low limit card, especially the MasterCard version. You have an Amex now, why go back to subprime?

I was wanting to take advantage of the 18 months same as cash plan... Hopefully I'll get a decent enough limit to do that. :/

Re: Approved for Best Buy Reward Zone Mastercard!

android01 — Mon, 23 Apr 2012 02:59:30 GMT

Congratulations!

Re: Approved for Best Buy Reward Zone Mastercard!

Open123 — Mon, 23 Apr 2012 03:05:44 GMT

You can always call them for the CL.

This was definitely one of my favorite cards when I had it. It's a great way to get to Premier Silver when general spending counts towards the $2,500.

Re: Approved for Best Buy Reward Zone Mastercard!

Anonymous — Mon, 23 Apr 2012 03:48:08 GMT

$300. Lol.

Re: Approved for Best Buy Reward Zone Mastercard!

afbar1114 — Mon, 23 Apr 2012 03:48:21 GMT

@Anonymous wrote:
$300. Lol.

i would call and cancel the card before it reports there is a $60 AF. why didn't you get the normal store card?

Re: Approved for Best Buy Reward Zone Mastercard!

Anonymous — Mon, 23 Apr 2012 03:51:35 GMT

There's just one application from what I know. From there it determines whether you're eligible for the store card or the MC.

Re: Approved for Best Buy Reward Zone Mastercard!

Anonymous — Mon, 23 Apr 2012 03:53:13 GMT

I think I'm ok with it though because I mainly plan on using it for the points anyways and paying it off every week so I can actually push more thnan $300 through it. That will more than make up for the $59 AF.

Re: Approved for Best Buy Reward Zone Mastercard!

afbar1114 — Mon, 23 Apr 2012 03:56:34 GMT

@Anonymous wrote:
I think I'm ok with it though because I mainly plan on using it for the points anyways and paying it off every week so I can actually push more thnan $300 through it. That will more than make up for the $59 AF.

just to let you know you will never get a CLI on that card. i let it go after i got chase and amex as i didnt think it was worth $60 a year and there CS is terrible all over seas reps. yes you get bestbuy points but only to best buy. there are much more better cards out there

Re: Approved for Best Buy Reward Zone Mastercard!

Jake0215 — Mon, 23 Apr 2012 04:01:53 GMT

@afbar1114 wrote:
@Anonymous wrote:
I think I'm ok with it though because I mainly plan on using it for the points anyways and paying it off every week so I can actually push more thnan $300 through it. That will more than make up for the $59 AF.
just to let you know you will never get a CLI on that card. i let it go after i got chase and amex as i didnt think it was worth $60 a year and there CS is terrible all over seas reps. yes you get bestbuy points but only to best buy. there are much more better cards out there

Not entirely true, a cli is possible but it's more in the hundreds rather than thousands. I would expect it to go from 300 to 500 after 6 months.

Re: Approved for Best Buy Reward Zone Mastercard!

afbar1114 — Mon, 23 Apr 2012 04:05:27 GMT

i had the card for almost a year never got a CLI on that card they call it a Plan B card with no CLI's possible. others can chime in who have had this card

Re: Approved for Best Buy Reward Zone Mastercard!

Jake0215 — Mon, 23 Apr 2012 04:08:11 GMT

@afbar1114 wrote:
i had the card for almost a year never got a CLI on that card they call it a Plan B card with no CLI's possible. others can chime in who have had this card

I had it and had the same limit with the same increase. I've since closed it... Af is ridiculous.

Re: Approved for Best Buy Reward Zone Mastercard!

halos24 — Mon, 23 Apr 2012 05:38:09 GMT

I have had this card since October 2010 started out with I think a $500cl no annual feel, and currently it is at $1100. It has come in handy since I have used it at Best Buy for 0% for 6 months.

Re: Approved for Best Buy Reward Zone Mastercard!

mxp114 — Mon, 23 Apr 2012 06:19:27 GMT

@Mike360 wrote:
Have a link? I didn't know they still offered that version.
@mxp114 wrote:
Congrats on the card. RZMC also comes in prime flavor, a Platinum version with $5k+ line, 17.99% APR and the ability to earn Premier Silver status via non-BB purchases. Also includes all the 0% financing offers that the store card has.

The BB product is confusing, the only one I know of where you can't directly apply for the non-store card version seperately. Hopefully CapitalOne will have a clearer process. You can't directly apply for a specific version, you are approved for the best product/terms you qualify for on the one app. I did the app via BB.com and got the Platinum, and someone as recently as last month confirmed they have seen Platinum approvals. I think the guy said he works at a BB, forgot thread.

Re: Approved for Best Buy Reward Zone Mastercard!

Braydon — Mon, 23 Apr 2012 06:34:04 GMT

I got stuck with the Plan B 300.00 CL card and a $69.00 AF. I opened it this past October and would love to close it but I'm not sure when it's best to do it. I don't even need the card I left home with out my wallet and got talked into opening the card by my kid so she could buy a $15.00 CD. I just feed the card every few months so they don't close it on me. I just worry if closing the card will effect my score too much.

4/12/12 TU 730 FICO EQ 704 FICO EX 734 FAKO

ZINC NPSL, Discover 2000, Citi 4000, Chase Freedom 3000, BofA CR 2500, BofA Alaska Airlines 2500.

Re: Approved for Best Buy Reward Zone Mastercard!

Viper786 — Mon, 23 Apr 2012 06:57:08 GMT

I work at best buy and we have two different applications in the store. I'm not sure how it works on the website, but we have a separate application for store card vs the mastercard. If someone applies for the store card and doesn't get approved, we have to do a new application for the mastercard.