@MovingForward_2012 wrote:
Yes it affects your UTIL but I'm not worried about it as I just bought a house, leased a car, and got approved for two more cards so I'm gardening. I won't stretch out the payments to 24 months but I'm not PIFing either as once I do, I'm obligated to charge something else to keep it open in 6 months and I won't need anything from BB in the next 6 months. I PIF all my other cards monthly.
Obligated to buy in next 6 months? I must have missed that in the fine print. ugh
Starting Score: 668
Yes if you pay it down to zero and don't use for 6-12 months, you're at risk for account closure due to inactivity.
Cards: Orchard Bank ($1100) | Cap1 Cash Rewards ($2500) | Chase Freedom ($1000) | Best Buy ($2500) | Discover It ($1000) | Barclay Rewards ($2500) | Current scores: EX FAKO: 684, CK TU: 649, FICO EQ: 680, FICO TU: 698, FICO EX: 658 Happy Homeowner Since 2/6/13! 
Last App: 4/5/13 Gardening until July 2014
@enharu wrote:just curious though. what good is a best buy card if the items in their stores are so overpriced?
online retailers, and even some brick and mortar stores like fry's, microcenter and paul's tv, sell most of the same electronics for a much cheaper price.
I understand best buy is price matching online prices now. I tried it once, and the process is just so frustrating.
The associate was unwilling, confused, and kept having to get a manager to override. If I didn't need the item right away I would have just save the gas, time and frustration and bought it online.
Ah for the joy of instant gratification. 
Sometimes I just can't wait for the shipping.
Personally, I've never found price-matching to be a hassle.. they've been very nice.
TIP: Their online prices can be lower that in-store.. so I buy online with in-store pickup.
I like that they have delivery AND installation along with instore warranties. When something has broken in the past, there were no questions asked and I got a brand new item with the option to purchase another warranty.
