Honestly there are better non-store cards you should be apping for first OP. I find store cards to be quite limiting and generally not as useful as they promise (with a few exceptions...but very few that are not tailored for the average male).
Must garden until 2/1/2022 to hit my goal AAOA. 
@teeder27 wrote:Looking for some insight on the Best Buy credit card. My credit score is on the mend- lost a job a number of years ago, which caused some credit card late pays and charge off's, which have all been paid in full. I'm working with Lexington Law right now to get as much of it cleaned up as possible. (unless someone has a suggestion for a better firm to work with). Looking at the MyFico tracking, i'm mid 600's on all three bureaus.
I applied for a Best Buy card, and was declined. I'm curious what the minimum score needed is to get the card. I have three other cards currently, two that I've had for 5+ years and have zero balances on them right now.
Ultimately, I'm trying to get my score back over 800, where it was before I lost my job and ended up in credit card jail, if you will.
I applied for the Best Buy card in store back in November 2014. I actually was shopping for a laptop and decided to use that as an option to try and help my chances at a better approval for the card. I was denied the Mastercard version but was approved the regular store card. They pulled Experian and Equifax. I live in North Carolina and when I received my letter it stated my score was 657 at the time. My starting limit was $1,000.
@SecretAzure wrote:Honestly there are better non-store cards you should be apping for first OP. I find store cards to be quite limiting and generally not as useful as they promise (with a few exceptions...but very few that are not tailored for the average male).
The Best Buy store card is pretty useful to me. I got it in Sept 2013 right before the switch to Citi...
Limit is $3500... I've spent probably 3 times that amount over the last 21 months and have not paid a single cent in interest. Every piece of electronics I've bought has been a 12 or 18 month 0% promotion.
... not to mention my MacBook Pro that I got in January was on sale for $100 off and I got an additional $200 off with the 10% USPS mover's coupon.... and 18 months 0%.
I'm not a huge fan of store cards either... this is 1 of 2 that I have... Nordstrom being the other. 
@TRC_WA wrote:
@SecretAzure wrote:Honestly there are better non-store cards you should be apping for first OP. I find store cards to be quite limiting and generally not as useful as they promise (with a few exceptions...but very few that are not tailored for the average male).
The Best Buy store card is pretty useful to me. I got it in Sept 2013 right before the switch to Citi...
Limit is $3500... I've spent probably 3 times that amount over the last 21 months and have not paid a single cent in interest. Every piece of electronics I've bought has been a 12 or 18 month 0% promotion.
... not to mention my MacBook Pro that I got in January was on sale for $100 off and I got an additional $200 off with the 10% USPS mover's coupon.... and 18 months 0%.
I'm not a huge fan of store cards either... this is 1 of 2 that I have... Nordstrom being the other.
Thank you for that useful bit of info. 
I think if I am ever without a 0% APR intro offer and not looking towards any other cards and am about to finance a large tech/elec purchase I might consider it but I am still wary of BBY and the ever-too-frequent bait-and-switch they pull with their card. 
@SecretAzure wrote:
@TRC_WA wrote:
@SecretAzure wrote:Honestly there are better non-store cards you should be apping for first OP. I find store cards to be quite limiting and generally not as useful as they promise (with a few exceptions...but very few that are not tailored for the average male).
The Best Buy store card is pretty useful to me. I got it in Sept 2013 right before the switch to Citi...
Limit is $3500... I've spent probably 3 times that amount over the last 21 months and have not paid a single cent in interest. Every piece of electronics I've bought has been a 12 or 18 month 0% promotion.
... not to mention my MacBook Pro that I got in January was on sale for $100 off and I got an additional $200 off with the 10% USPS mover's coupon.... and 18 months 0%.
I'm not a huge fan of store cards either... this is 1 of 2 that I have... Nordstrom being the other.
Thank you for that useful bit of info.
Yeah I applied for the MC and was approved for the store card. It is very useful because every high dollar purchase will offer some kind of 0% promotion.
I'm not really interested in the MC upgrade now (if they ever offer it) because it's a new TL and I'd rather just keep the store card open and grow the AAoA.
My other store card Nordstrom on the other hand will upgrade to VISA and keep the same TL.
No plans to app for any other store cards... I closed most of mine in December. I'm fine with major CC's... but make an exception for these 2 and the combined $8k CL.
@TRC_WA wrote:
@SecretAzure wrote:
@TRC_WA wrote:
@SecretAzure wrote:Honestly there are better non-store cards you should be apping for first OP. I find store cards to be quite limiting and generally not as useful as they promise (with a few exceptions...but very few that are not tailored for the average male).
The Best Buy store card is pretty useful to me. I got it in Sept 2013 right before the switch to Citi...
Limit is $3500... I've spent probably 3 times that amount over the last 21 months and have not paid a single cent in interest. Every piece of electronics I've bought has been a 12 or 18 month 0% promotion.
... not to mention my MacBook Pro that I got in January was on sale for $100 off and I got an additional $200 off with the 10% USPS mover's coupon.... and 18 months 0%.
I'm not a huge fan of store cards either... this is 1 of 2 that I have... Nordstrom being the other.
Thank you for that useful bit of info.
Yeah I applied for the MC and was approved for the store card. It is very useful because every high dollar purchase will offer some kind of 0% promotion.
I'm not really interested in the MC upgrade now (if they ever offer it) because it's a new TL and I'd rather just keep the store card open and grow the AAoA.
My other store card Nordstrom on the other hand will upgrade to VISA and keep the same TL.
No plans to app for any other store cards... I closed most of mine in December. I'm fine with major CC's... but make an exception for these 2 and the combined $8k CL.
are both the store card and mastercard both citi ? how does it grow ? soft pull credit limit increase every 6 months ? or 3 months ? im looking to buy those ipads now on sale and looking for 0% financing but wonder if maybe i be better off just getting the US Bank Cash+ 9 months 0% APR with $100 back when you spend $500. But its not only for blance transfers, not purchases. Another card in mind was Chase Saphire which also does not have 0% APR on neither purchases or balance transfers. 
