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Best Buy Approved

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Frequent Contributor

Best Buy Approved

Alright, and here I thought me getting Amex with 2k CL is better but this just turned the tied. Amex hasn't reported yet on CR but when applying for best buy, I was approved for 3k CL ... SHOCKING!!!!!

 

With that 3k CL, the agent I spoke to said I have the choice of the store card or the visa card. I chose the store card and I am happy that I got that because Student Deals are around the corner and I been to best buy 2 times already for picking up stuff. :eyes:

 

Best Buy is backed by Citi and only pulled Experian.

Michigan Schools & Gov't Credit Union Titanium Visa | $5kDiscover Student Cash Back | $3,050Amex 1.5% CB | $3.9kBest Buy Store Card | $3kChase Student Card | $1k

Future Potenital Cards
AOD 3%
Gas Card 4% or 5%
Dining & Enterainment 3%
Amazon 5%
USB Cash 5%
BOA Cash Rewards (if it ever goes back to Mastercard)
Message 1 of 20
19 REPLIES 19
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Frequent Contributor

Re: Best Buy Approved

congrats. but im curious as to why youd choose the store card over the visa? i can never understand why people choose that. is there better rewards or ?

also, can you list some data points for me and others? thanks

Fico 08 TU 680 EQ 682 EX 680 (4/05/18)
Fico 08 TU 668 EQ 656 EX 671 (1/13/18)
FICO 08 TU 533 EQ 512 EX 522 (2/6/17)
1 collection charge off paid April '17 ($500 GTE FCU) went over 120+ days late on it account closed. PIF to CA

NFCU Cash Rewards-$2800 (1/13/18), USAA Classic Platinum Visa-$1000 (1/13/18), Discover IT-$10,000! (1/13/18), AMEX BCE-$1000 (1/13/18), AMEX Blue Delta SkyMiles-$1000 (1/13/18), Care Credit-$7500(1/13/18), Cap1 Platinum Preferred-$1500 (1/15/18), Wal-Mart $5000 as of Nov '17 (SL $200 July '17), Dillards $1000 July '17, Several rebuilder cards closed not listed
Message 2 of 20
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Community Leader
Senior Contributor

Re: Best Buy Approved

Interesting choice. Congrats! That is a nice SL for that card. 

Discover It: 19.7k
Amex ED: 18k
Citi DC: 6.7k
Citi Rewards+: 3.6k
Bank Americard: 2.8k
~~~~~~~~~~~~~~~~~~
Once you go Berner, you never go back.
Message 3 of 20
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Mega Contributor

Re: Best Buy Approved

Congratulations on The Best Buy Approval!

“There is so much pain in the world, and most of these people keep theirs secret, rolling through agonizing lives in invisible wheelchairs, dressed in invisible bodycasts.”
Message 4 of 20
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Valued Contributor

Re: Best Buy Approved

Congrats on the Best Buy card!




Message 5 of 20
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Frequent Contributor

Re: Best Buy Approved


@Roy21 wrote:

congrats. but im curious as to why youd choose the store card over the visa? i can never understand why people choose that. is there better rewards or ?

also, can you list some data points for me and others? thanks


I personally don't need another network card that can be charged anywhere and have to watch out for fraud ... so I chose the store card because I don't have to use it every month. It's pretty much saying the same thing for the amazon store card, it's nice when it there but it is one less card to manage and don't have to worry about for a while (at random times).

 

Data points, I recently got surprised by my college transaction of $845.00 hit my discover statement before it cut on the 16th. That brought my ULT around 42%. When I looked at Experian, it was sitting at 742 and when discover hit, dropped to 718. Accounts, 1 Joint Loan, 1 Builder Loan, 2 Individual CC (amex hasn't report), and 1 AU CC

Michigan Schools & Gov't Credit Union Titanium Visa | $5kDiscover Student Cash Back | $3,050Amex 1.5% CB | $3.9kBest Buy Store Card | $3kChase Student Card | $1k

Future Potenital Cards
AOD 3%
Gas Card 4% or 5%
Dining & Enterainment 3%
Amazon 5%
USB Cash 5%
BOA Cash Rewards (if it ever goes back to Mastercard)
Message 6 of 20
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Frequent Contributor

Re: Best Buy Approved

Congrats on your Best Buy approval!

SspW.gif

Message 7 of 20
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Frequent Contributor

Re: Best Buy Approved

thanks for those DPs! really helpful. and ok yeah i hear you on that. thats true!

Fico 08 TU 680 EQ 682 EX 680 (4/05/18)
Fico 08 TU 668 EQ 656 EX 671 (1/13/18)
FICO 08 TU 533 EQ 512 EX 522 (2/6/17)
1 collection charge off paid April '17 ($500 GTE FCU) went over 120+ days late on it account closed. PIF to CA

NFCU Cash Rewards-$2800 (1/13/18), USAA Classic Platinum Visa-$1000 (1/13/18), Discover IT-$10,000! (1/13/18), AMEX BCE-$1000 (1/13/18), AMEX Blue Delta SkyMiles-$1000 (1/13/18), Care Credit-$7500(1/13/18), Cap1 Platinum Preferred-$1500 (1/15/18), Wal-Mart $5000 as of Nov '17 (SL $200 July '17), Dillards $1000 July '17, Several rebuilder cards closed not listed
Message 8 of 20
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Regular Contributor

Re: Best Buy Approved

I would have gone Visa, but congrats on your new card ! I love bestbuy , its like walking into a candy store for me lol and the 0% offers are great to have .











Message 9 of 20
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Valued Contributor

Re: Best Buy Approved

YOU...

awesome congratulations GIF by Slanted Studios

CONGRATS  on your Best Buy approval and the Very Nice SL!!!

AMEX BCE $8K | AMEX Cash Magnet $15K | Citi DoubleCash WEMC $13.7K | Citi AAdvantage WEMC $14K | Citi Costco VS $12K
Discover IT $19K | OpenSky $300 | BB&T Cash Rewards $4.5K | Synchrony (PayPal Credit $4K, Care Credit $15K, & PayPal 2% MC $10K) |
BBVA Compass Rewards VS $10.5K | NFCU cashRewards $3K | NFCU More Rewards AMEX $33.5K | NFCU Flagship VS $19K
Macy's AMEX $10.5K | Apple Card WEMC $6K | PenFed Power Cash Rewards VS $7.5K

TCL - $204K+ | Rebuilding since April 2018
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