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Bestbuy - Citibank Visa Approved

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Frequent Contributor

Bestbuy - Citibank Visa Approved

I was not planning to apply for a new credit account but it turned out that way. I was planining to pre-order Samsung S20 Ultra for sometime now. It has been years I bought a new phone and my current one has recent screen cracked (an excuse to get a new phone). At first I was just planning to buy a phone with some down payment of $500+taxes from $1599.99 to $1099.99 and pay directly from my checking account. However if you purchased a phone from BestBuy and not from T-Mobile or other phone stores, you cannot do that. To get a 24 months installment you have to purchase someting with $649.99?$699.99 or higher. You also have to pay with full using the the new Bestbuy credit and pay a minimum monthly installment toward that account until $0.00 within 24 months with interest free just like Lowes or RoomToGo promotion. Halfway through the talking and application, I just realized I was actually applying for a credit account choosing between store credit or visa. It took me a minute or so before I gave it a try boom:

 

$5000 SL from Citibank Visa
Fico Score 713 Tu, ~720 EQ
$200 credit from Samsung once I pick up the phone
Citibank closed my BestBuy store account of $1200 about five years ago (Before that it was under Capital One and GE Capital I think)
10 hp (5 from mortgage, 3 from autoloan, 2 cc) - 4 hps would be off in next 4 months.

 

For all your information, if you want to get a S20 ultra, get it from samsung.com since it is
- tax free -instant $200 credit you could use to buy items from Samsung website
-24 months and 36 months installment
-Unlocked Phone

 

The good news is $5000 credit but with a HP  SP. I think it worth it but it might derailed my plan for CapitalOne CLI and PenFed Application at the end of March. I am hoping to pay off this Citibank Visa in next 5 or 6 months.

 

Edit: It has been more than a month since then and there is no HP from Citibank so it must be SP. Will wait until the next cycle to check again just to be sure on Apr 11th statement day.

 



Starting Score: (Nov 13) EQ 650, EXP 750, TU 750
Score: (Aug 2, 2014) EQ 722, EXP 780, TU 777
Score: (Aug 11, 2014) EQ 781, EXP 784, TU 779
Score(Nov 22, 2014) EQ 814, EXP N/A, TU 781
Score(Dec 16, 2017) EQ > 720, EXP ?, TU > 730
Score(Mar 10, 2018) EQ 736, EXP 740, TU 724
Score(Apr 7, 2018) EQ 752, TU 750, EXP 753
Score(Jun 14, 2018) EQ 784, TU 771, EX:777
Score(Sep 7, 2020) EQ 760, TU 737 , EX ?
Score(Nov 23, 2020) EQ 774 Fico 8(Through Citi), EQ 771 Fico 9(Through NFCU,PenFed), TU 751 Fico 8 (Through Barclay,Discover), EX: 739 Fico 8(through Amex)

Goal Score: EQ 800, EXP 800, TU 800 | Take the myFICO Fitness Challenge

AoOA 18 years, 6 months, AAoA 6 years, 10 months







Message 1 of 33
32 REPLIES 32
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Valued Contributor

Re: Bestbuy - Citibank Visa Approved

Congratulations on your approval! 👍




My Cards:






Profile Type: New, Thick, 100% Clean
INQ's: EQ: 0 TU: 1 EX: 3 (last 12 mo.)
Recent Accounts: 4 (last 24 mo.)
Total CL: 28.95k Util. 3% AAoA: 1yr, 8mo.
AoOA: 2 yrs, 8 mo. AoYA: 0 mo. 100% PIF.





myFICO Member since: July 21, 2018 | Joined Community: Aug. 17, 2018 | Starting Scores: EQ: 716 TU: 738 EX: 698
Message 2 of 33
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Epic Contributor

Re: Bestbuy - Citibank Visa Approved

Congratulations!

Message 3 of 33
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Valued Contributor

Re: Bestbuy - Citibank Visa Approved

Congratulations on you approval and your new phone!




Starting score - May 2018

June 2020

AAoA - 9 months
Message 4 of 33
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Super Contributor

Re: Bestbuy - Citibank Visa Approved

Congratulations on your approval!

Message 5 of 33
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Frequent Contributor

Re: Bestbuy - Citibank Visa Approved

Thank you AngelWingz and NewFossil. I love photography hence the reason why getting this phone. I am planning to sell my old phones and some old cameras on ebay or amazon if they still have some values or simply turn my old phones into security cameras.


Starting Score: (Nov 13) EQ 650, EXP 750, TU 750
Score: (Aug 2, 2014) EQ 722, EXP 780, TU 777
Score: (Aug 11, 2014) EQ 781, EXP 784, TU 779
Score(Nov 22, 2014) EQ 814, EXP N/A, TU 781
Score(Dec 16, 2017) EQ > 720, EXP ?, TU > 730
Score(Mar 10, 2018) EQ 736, EXP 740, TU 724
Score(Apr 7, 2018) EQ 752, TU 750, EXP 753
Score(Jun 14, 2018) EQ 784, TU 771, EX:777
Score(Sep 7, 2020) EQ 760, TU 737 , EX ?
Score(Nov 23, 2020) EQ 774 Fico 8(Through Citi), EQ 771 Fico 9(Through NFCU,PenFed), TU 751 Fico 8 (Through Barclay,Discover), EX: 739 Fico 8(through Amex)

Goal Score: EQ 800, EXP 800, TU 800 | Take the myFICO Fitness Challenge

AoOA 18 years, 6 months, AAoA 6 years, 10 months







Message 6 of 33
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Frequent Contributor

Re: Bestbuy - Citibank Visa Approved

Congrats!

Message 7 of 33
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Member

Re: Bestbuy - Citibank Visa Approved

Great news and congratulations on your new card and phone. Completely agree, If you want to order the new samsung do it direct trough samsung.com. They have some extra benefits than the others (ect. BestBuy...)







Message 8 of 33
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Community Leader
Mega Contributor

Re: Bestbuy - Citibank Visa Approved

Congrats @benreily  thats a fantastic slSmiley Happy Enjoy your new Terminator phone, er i mean high tec smart phoneSmiley Happy

Message 9 of 33
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Valued Contributor

Re: Bestbuy - Citibank Visa Approved

Congrats!!!

July 2020
Experian Fico 8. 707
Transunion Fico 8. 705
Equifax Fico 8. 724

Capital one QS1. $2450
Discover IT Cashback. $12,000
PNC cash rewards signature Visa. $17,500
Chase SW rapid rewards signature visa $6900
Amex Green Card NPSL POT $11,000

Amex Hilton Honors $1000
Citi Rewards $3900
Message 10 of 33
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