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Best Buy Citi Approved! QUESTIONS THOUGH!

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Regular Contributor

Best Buy Citi Approved! QUESTIONS THOUGH!

So I was at Best Buy looking at the 4K UHD TVs and I decided to pull the trigger on apping for the Best Buy card for the no interest financing for the TV.

 

I was denied the Best Buy store card... but the guy at the register had to call the bank, and when he did, the lady spoke to me over the phone, denied the store card again, and then told me that I was however, approved for a Citi Bank Best Buy Visa card with a SL of $500.

 

I figured meh why not accept it and go from there.

 

I will finally have my foot in the door with Citi Bank but I heard this card isn't the greatest especially with a $56 annual fee or something like that.

 

Do you think I can recon the SL? Or at least get the annual fee waived before the card arrives? Or should I wait until it arrives?

 

Credit score 646.

Message 1 of 21
20 REPLIES 20
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New Contributor

Re: Best Buy Citi Approved! QUESTIONS THOUGH!

I never knew this card had an annual fee! Is this something new? What are the perks that warrant the fee?

EQ:808 TU:813 EX:808
Message 2 of 21
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Moderator

Re: Best Buy Citi Approved! QUESTIONS THOUGH!

4 versions of card.. 2 visa versions one with AF and one without AF and two versions of store card (not sure why on this one)

Message 3 of 21
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Regular Contributor

Re: Best Buy Citi Approved! QUESTIONS THOUGH!

The ONLY reason I chose to accept it was to get my foot in the door with Citi. I'll probably never even use it. I'm thinking about calling a backdoor number once I get the card and get the annual fee waived.

 

I was successful on all 3 of my capital on cards doing that once I received them.

Message 4 of 21
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New Contributor

Re: Best Buy Citi Approved! QUESTIONS THOUGH!

I got thesame card 6 months ago and have been on the phone with the EO for the past week, they wont do a cli I will be closing the card once my 12 months are up...they dont show much luv to anyone it seems

Message 5 of 21
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Valued Contributor

Re: Best Buy Citi Approved! QUESTIONS THOUGH!


@klrmac wrote:

So I was at Best Buy looking at the 4K UHD TVs and I decided to pull the trigger on apping for the Best Buy card for the no interest financing for the TV.

 

I was denied the Best Buy store card... but the guy at the register had to call the bank, and when he did, the lady spoke to me over the phone, denied the store card again, and then told me that I was however, approved for a Citi Bank Best Buy Visa card with a SL of $500.

 

I figured meh why not accept it and go from there.

 

I will finally have my foot in the door with Citi Bank but I heard this card isn't the greatest especially with a $56 annual fee or something like that.

 

Do you think I can recon the SL? Or at least get the annual fee waived before the card arrives? Or should I wait until it arrives?

 

Credit score 646.


Congrats on the new card OP!

                               

Total Credit: $240,100Credit Utilization: 1%AAoA: 5 years, 7 monthsInstallments: Car Lease, Marcus LoanNegatives: 0

LOWES-35k | BOA-32.5k | AMEX-30k | DISC-27.1k | ALLIANT-25k | NFCU-25k | BARC-15k | BBUY-12k | CHASE-10k | WAL-10k | CITI-9.7k | PENFED-9.7k


Message 6 of 21
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Valued Member

Re: Best Buy Citi Approved! QUESTIONS THOUGH!


@RM21 wrote:

@klrmac wrote:

So I was at Best Buy looking at the 4K UHD TVs and I decided to pull the trigger on apping for the Best Buy card for the no interest financing for the TV.

 

I was denied the Best Buy store card... but the guy at the register had to call the bank, and when he did, the lady spoke to me over the phone, denied the store card again, and then told me that I was however, approved for a Citi Bank Best Buy Visa card with a SL of $500.

 

I figured meh why not accept it and go from there.

 

I will finally have my foot in the door with Citi Bank but I heard this card isn't the greatest especially with a $56 annual fee or something like that.

 

Do you think I can recon the SL? Or at least get the annual fee waived before the card arrives? Or should I wait until it arrives?

 

Credit score 646.


Congrats on the new card OP!


 

 

Did you have any luck with recon on that starting limit?

American Express Platinum || Chase Freedom || Barclay Rewards Mastercard || Citi Best Buy Visa
Message 7 of 21
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Valued Member

Re: Best Buy Citi Approved! QUESTIONS THOUGH!

I got my card to grow, no problem. Work on that AF and keep it.
Message 8 of 21
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Established Member

Re: Best Buy Citi Approved! QUESTIONS THOUGH!

Which report do they pull?

Congrats!!!
Message 9 of 21
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Established Contributor

Re: Best Buy Citi Approved! QUESTIONS THOUGH!

Congrats

Goal: 700's by 11/1/2015 (all baddies will be gone)
Message 10 of 21
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