Best Buy “2 week” reply

Anonymous · ‎07-22-2018

My TV decided to die today so I applied for a Best Buy card. Fill out all the info, hit submit and receive the “your application needs further processing. You should receive a decision in 2 weeks” message. It’s not the 7-10 days almost always a Denial message. But not sure if that’s a good sign or not.

chhull00 · ‎07-22-2018

I got 7-10 for mine but it wasnt denied, but got mty fingers crossed for you mate

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afbar1114 · ‎07-22-2018

What does your Equifax look like? I just got a massive CLI with them. Are your reports frozen?

AMEX PRG; AMEX EveryDay $14,800; Freedom $6k; Sapphire $7k; IHG Select $5k; Discover $2,400; BofA Better Balance $9,100; Bank Americard $5,900; Citi DC $2,700; Citi Diamond $2,500; BestBuy $20,000; Amazon Prime $5k, United Club $15,000; Home Depot $20,000; Barclays $7,500

Total Credit Limits: $122,650

chhull00 · ‎07-22-2018

Is that who they pulled for your bb cli

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Anonymous · ‎07-22-2018

Reports are not frozen. Scores in my siggy are accurate.

afbar1114 · ‎07-23-2018

@Anonymous wrote:
Reports are not frozen. Scores in my siggy are accurate.

In my experience Citi retail cards pull Equifax. Scores aren’t everything.how many inquiries do you have, what is your utilization, current cards and limits?

AMEX PRG; AMEX EveryDay $14,800; Freedom $6k; Sapphire $7k; IHG Select $5k; Discover $2,400; BofA Better Balance $9,100; Bank Americard $5,900; Citi DC $2,700; Citi Diamond $2,500; BestBuy $20,000; Amazon Prime $5k, United Club $15,000; Home Depot $20,000; Barclays $7,500

Total Credit Limits: $122,650

xaximus · ‎07-23-2018

Best Buy CC's are backed by Citi. They are a bit sensitive I have noticed. Inquiries, credit used vs available, payment history, etc. I would recon and see whats going on.

Scores - All bureaus 770 +
TCL - Est. $410K

FinStar · ‎07-23-2018

OP, unfortunately this might be a denial.

Typically, Citi's retail CCs aren't known for successful reconsiderations. You can definitely try, but I wouldn't get my hopes up.

Anonymous · ‎07-25-2018

Denied because of “number of recently open accounts.” I opened a Ritz Carlton card in June and a card for tire shop at the beginning of July so I could put tires on my vehicle