Best Buy Card Approval Chances

[Anonymous]

I close on my house 30JUN20 and i am looking into getting a best buy card AFTER i close.

Some data points for you:

EX3: 714

TU4: 664

EQ5: 660

AAoA: 2y 11mo

NFCU CC: $30/$1000 3% UTL

1 collection from 2018 that has been paid in full

EX and EQ showing 2 inquiries in the last 12 months, TU showing 3 inquiries in the last 12 months.  All of these pulls were shopping for the best mortgage rates.  I made 67k last year and will make about 70K this year.  I have been in the Navy for 7 years.

Any light anyone can shed on this for me would be greatly appreciated!

[Brian_Earl_Spilner]

You should be fine for an approval for at least the store card. I wouldn't be able to guess for how much. You can get a larger limit by applying in store, and if it's not enough, the CSRs can call in to recon for you.

[Doodlebug30]

I was approved in Nov 2019 for best buy visa when I applied in store. Scores were less than they are now I think maybe around 680-700 across the 3. I believe they pulled EQ which was my lowest score. I do not have any collections but I do have 6 yr old student loan lates. I was approved for $2,500 starting CL. I think my aaoa was a little over 2 yrs. Only a couple inquiries. Idk if that helps. 

[Anonymous]

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@Anonymous wrote:

I close on my house 30JUN20 and i am looking into getting a best buy card AFTER i close.

Some data points for you:

EX3: 714

TU4: 664

EQ5: 660

AAoA: 2y 11mo

NFCU CC: $30/$1000 3% UTL

1 collection from 2018 that has been paid in full

EX and EQ showing 2 inquiries in the last 12 months, TU showing 3 inquiries in the last 12 months.  All of these pulls were shopping for the best mortgage rates.  I made 67k last year and will make about 70K this year.  I have been in the Navy for 7 years.

Any light anyone can shed on this for me would be greatly appreciated!

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I app'ed at checkout with about those scores last year, just a TON more inq's and new accounts... and was fine, with an SL of 1k. Could have recon'd them if I wanted.  Chose not to.  Go for it once you close.  You should be fine.   

[JR_TX]

Based on your EQ/EX profile, you're most likely a go for a $2K SL probably with a chance of recon to $5K if you apply in-store during checkout. Anything over that is gonna be a long shot IMHO.

Good Luck!

[Harvey26]

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@Anonymous wrote:

I close on my house 30JUN20 and i am looking into getting a best buy card AFTER i close.

Some data points for you:

EX3: 714

TU4: 664

EQ5: 660

AAoA: 2y 11mo

NFCU CC: $30/$1000 3% UTL

1 collection from 2018 that has been paid in full

EX and EQ showing 2 inquiries in the last 12 months, TU showing 3 inquiries in the last 12 months.  All of these pulls were shopping for the best mortgage rates.  I made 67k last year and will make about 70K this year.  I have been in the Navy for 7 years.

Any light anyone can shed on this for me would be greatly appreciated!

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What reason would you want to get a Best Buy Card out of curtoisty?

[Anonymous]

@Harvey26 I am looking to get some new appliances for my new home an take advantage of their 0% financing.

[Harvey26]

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@Anonymous wrote:

@Harvey26I am looking to get some new appliances for my new home an take advantage of their 0% financing.

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Sounds good. I would say apply in store. I would also add another navy card to your wallet. You would get a nice SL.

[Meanmchine]

Good luck !!

[Anonymous]

@Harvey26 I have been doing a bit of research here on the forum and i came across a thread about NFCU CLI increases.  I think i am going to try and get a bigger increase on my NFCU card first before i try to get a best buy card.  I have read some great success stories with people getting a great credit limit increase.