BestBuy

[SemperGumby]

So I am thinking of apping for a Best Buy card.  I am rebuilding my credit.  Score right now is 616, but should be at about 670 in the next week when reporting updates. (I paid off a bunch of debt).  No BK's, repo's , etc.  Income is just shy of $51000. What do y'all think my odds are?  Store card or MC.

[SemperGumby]

Bump...

[FinStar]

What is the source of your scores...FICO, Vantage? What does the rest of your profile look like? AAoA, utilization?

MC is not offered, just the Visa or store card.

[SemperGumby]

Score is from Fico.  Right now it's 616, but I just paid off all of my credit cards, so my utilization will reflect something around 1%.  A couple of collections, but no BK, repo, eviction, etc.  AAoA is 3+ years.   I also just paid off a student loan, and car.  The car, student loan, and credit cards were paid in the last 30 days.  Everything I've been able to figure out , and estimate says my score should go up to about 670 once it updates at the beginning of November.

[xaximus]

I would wait until your scores have gone up. It may be a bit early though. You may get approved for the store card but Citi can be flaky at times. I would try to get the collections removed before trying.

[SemperGumby]

Yeah, I was going to wait on the scores to go up.  **bleep** Collections.

[Anonymous]

I got approved for this card with a 633 credit score and two late payments on my credit report. I would recommend to only get this card if you shop at best buy a lot cause they havent given me a auto CLI yet. Its only HPs

[Brian_Earl_Spilner]

I cancelled this card. Didn't like my interactions with Citi or it's executive office. Also, it's against ToS to bump your threads.

[Anonymous]

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@SemperGumby wrote:

Score is from Fico.  Right now it's 616, but I just paid off all of my credit cards, so my utilization will reflect something around 1%.  A couple of collections, but no BK, repo, eviction, etc.  AAoA is 3+ years.   I also just paid off a student loan, and car.  The car, student loan, and credit cards were paid in the last 30 days.  Everything I've been able to figure out , and estimate says my score should go up to about 670 once it updates at the beginning of November.

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Just FYI -- paying off your car loan may actually cause a short-term (1-2 months) decrease in your score if you do not have any other open installment loans.

[BessTruman]

I got a Best Buy Visa in May of this year.    I got a SL of $3000!  I almost fell to the floor.!   I hadn't applied for a credit card in about 8 yrs.  I had a bad financial period and just did not apply for any cards and HAD no cards.   When the customer service agent suggested I try I thought...what the hell.   She told me I was approved for a $3000 store card or the Visa.     I took the Visa but I don't like this card.  I bought a Samsung fitness watch and then a laptop for my sister; 2 separate purchases.    I came in on the 0% APR til 10/19.   Good deal!   But...it only applies to those 2 items or something like that.   I kind of ran up the card... lol  I thought I had NO INTEREST!   I saw a charge for $25 interest last month.   I am carrying a balance cause I thought I had a year to pay it off.  Now I have put it my sock drawer and won't use it anymore because I don't want to pay interest.  I owe about $2000 on it.  $1000 or so is under the 0% but the rest is accruing interest.    I will keep it but won't use it til I can pay it all off in a couple of months and then it will be an emergency card.   I  tried last month to get an increase but CTI said no.