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Best Buy MC/VISA or store card......

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Anonymous
Not applicable

Best Buy MC/VISA or store card......

Once we close escrow on our home we would like to purchase appliances and possibly a tv from Best Buy. Our plan is to use the 24 months free financing, but most likely pay off sooner. Have people been getting high credit limits with either the MC/VISA or store card?

 

Message 1 of 10
9 REPLIES 9
TRC_WA
Senior Contributor

Re: Best Buy MC/VISA or store card......


@Anonymous wrote:

Once we close escrow on our home we would like to purchase appliances and possibly a tv from Best Buy. Our plan is to use the 24 months free financing, but most likely pay off sooner. Have people been getting high credit limits with either the MC/VISA or store card?

 


I got $1800 limit on store card back in  2013... Got it bumped to $3500 with a HP in December 2014.

 

Good for 0% promos like you said...

FICO8 current as of : ----- EQ: --- TU: --- EX: ---
Hard INQs last 12 months: EQ: 5 | TU: 7 | EX: 9
Verizon Visa $6500 Amex Delta Platinum $10,000 Care Credit $12,000
NFCU CashRewards $6000 Apple Card $2000 Best Buy $3500 Amazon $5000
NFCU auto loan (2022 Ford Bronco Sport Badlands - Cactus Gray) $44k new - balance $31k/6.94%
Total CL: $45,000 --- Total CC UTI: --% --- AAoA: 5.5 years --- Income: $200k
Last app: 11-30-23
Message 2 of 10
Closingracer99
Valued Contributor

Re: Best Buy MC/VISA or store card......


@Anonymous wrote:

Once we close escrow on our home we would like to purchase appliances and possibly a tv from Best Buy. Our plan is to use the 24 months free financing, but most likely pay off sooner. Have people been getting high credit limits with either the MC/VISA or store card?

 


Of all my store cards it gave me my highest starting limit of $2,000. It is still on it a year later meanwhile my Amazon store card went from $700 or whatever to $2,850


My Cards: Amex BCE: $9,000, Amex Hilton HHonors: $2,000, Amex ED: $12,000, Barclays NFL extra points: $3,000, Bank of America MLB cash rewards: $17,000, BBVA compass NBA Amex triple double rewards: $17,000, Chase Amazon: $1,000, Chase Freedom: $9,000, Chase Sapphire: $5,000, Chase Slate: $5,000, Chase Disney: $4,000, Citi Double Cash: $5,400, Citi AA plat: $5,500, Citi Simplicity: $3,000, Citi Thank you preferred: $8,800, Capital one GM: $2,000, Capital one PlayStation: $3,000, Gamestop: $1,150, Amazon Store: $5,000, Ebay MasterCard: $5,000, American Eagle Storecard: $750, Macy's: $500
EX: 744, TU:750, EQ: 740
Message 3 of 10
taxi818
Super Contributor

Re: Best Buy MC/VISA or store card......

No. Citi is pretty tight. even with the cli's. Have a 4k plat mc. But if you want cli. Another hp. and they cry about it too. as if it is coming out of their own pockets. Yikes.

Message 4 of 10
Anonymous
Not applicable

Re: Best Buy MC/VISA or store card......

I can't wait to get this card. My uncle in 2011 who has serious fico scores almost 800. he cosigned for me and we did it in store charged at the cashier for a sony tv and accessories totaling $3300. We were instantly approved. Weird number I think he specifically requested $3300 because he had to call in store for verification. 6 months later he closed the account Smiley Sad I was never late and paid the whole thing off. I am planning on applying first I must garden. He recently opened up a best buy card I would love to ask him how much did he get as a SL
Message 5 of 10
jsmith12345
Regular Contributor

Re: Best Buy MC/VISA or store card......

I had a $2k CL on my card from back when HSBC had it.  I called a couple weeks ago, asked for a $10k line and got it.  This is the store card and my FICOs are low to mid 700's. 

Message 6 of 10
Closingracer99
Valued Contributor

Re: Best Buy MC/VISA or store card......


@Anonymous wrote:
I can't wait to get this card. My uncle in 2011 who has serious fico scores almost 800. he cosigned for me and we did it in store charged at the cashier for a sony tv and accessories totaling $3300. We were instantly approved. Weird number I think he specifically requested $3300 because he had to call in store for verification. 6 months later he closed the account Smiley Sad I was never late and paid the whole thing off. I am planning on applying first I must garden. He recently opened up a best buy card I would love to ask him how much did he get as a SL

It's not that good of a card imo lol. The point system they have is pretty poor and you're better off using a basic 1% or 2% CB card imo in the long run.

 

 

250 points = $5 dollar coupon or Spend $250 at 1 point per dollar for $5 dollars. The store card offers 5% but 250 for $5 isn't that great imo


My Cards: Amex BCE: $9,000, Amex Hilton HHonors: $2,000, Amex ED: $12,000, Barclays NFL extra points: $3,000, Bank of America MLB cash rewards: $17,000, BBVA compass NBA Amex triple double rewards: $17,000, Chase Amazon: $1,000, Chase Freedom: $9,000, Chase Sapphire: $5,000, Chase Slate: $5,000, Chase Disney: $4,000, Citi Double Cash: $5,400, Citi AA plat: $5,500, Citi Simplicity: $3,000, Citi Thank you preferred: $8,800, Capital one GM: $2,000, Capital one PlayStation: $3,000, Gamestop: $1,150, Amazon Store: $5,000, Ebay MasterCard: $5,000, American Eagle Storecard: $750, Macy's: $500
EX: 744, TU:750, EQ: 740
Message 7 of 10
taxi818
Super Contributor

Re: Best Buy MC/VISA or store card......

Much more invoked than 250 points for 5 dollars. In fact you can choose 6% off of purchase. Not just points. And you get 0% financing. 6-1234-36 months. So the points are also for non best buy purchases. That's why mc is important.
Message 8 of 10
Anonymous
Not applicable

Re: Best Buy MC/VISA or store card......

I am just in for the 0% financing
Message 9 of 10
Closingracer99
Valued Contributor

Re: Best Buy MC/VISA or store card......


@taxi818 wrote:
Much more invoked than 250 points for 5 dollars. In fact you can choose 6% off of purchase. Not just points. And you get 0% financing. 6-1234-36 months. So the points are also for non best buy purchases. That's why mc is important.

Meh its 6% still meh. 250 points for $5 dollars still pretty lame. As far as financing goes I rather get an Amazon store card, Prime and use their financing and get 5% CB as a statement credit.  Even if you don't use prime I find the amazon store card better.

 

 

Amazon store card takes SP for CLI unlike Bestbuy so I would have my card grow faster with Amazon


My Cards: Amex BCE: $9,000, Amex Hilton HHonors: $2,000, Amex ED: $12,000, Barclays NFL extra points: $3,000, Bank of America MLB cash rewards: $17,000, BBVA compass NBA Amex triple double rewards: $17,000, Chase Amazon: $1,000, Chase Freedom: $9,000, Chase Sapphire: $5,000, Chase Slate: $5,000, Chase Disney: $4,000, Citi Double Cash: $5,400, Citi AA plat: $5,500, Citi Simplicity: $3,000, Citi Thank you preferred: $8,800, Capital one GM: $2,000, Capital one PlayStation: $3,000, Gamestop: $1,150, Amazon Store: $5,000, Ebay MasterCard: $5,000, American Eagle Storecard: $750, Macy's: $500
EX: 744, TU:750, EQ: 740
Message 10 of 10
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