Best Buy Store Card CL & Score

[LS2982]

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@Anonymous wrote:

wait for this card till my BK 7 drops off in 3 years or do you think it matters??

just dont want to close and get another B plan card

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Thats a YMMV thing, but in all honesty it would be better with no BK.

[RyVision]

Bichon;

Like I mentioned elsewhere, I think you'd probably get approved for Plan A and probably over a 1k CL if you have a clean file.  To get a higher CL, I think all you have to do is tell them you're looking at computers and you're not sure what you wish to spend, that it would depend on the CL you were approved for. If they put in the request that you're considering spending upwards of 2200 on a computer, you will likely be approved for a higher CL.  That doesn't mean you have to buy one that expensive, just that you took it into consideration when looking and adjusted your final expenditure after approval. Simple.

If you aren't given much more than 1000$, remember, you'll be paying it down rather quickly and it won't really effect your file or scores. Or, you could pay for some of the purchase in cash (just enough to keep you in the 0% promo with what you put on their card). 

I also told you you'd get the ZYNC no problem

Very cute puppy btw! (yes, I love dogs LOL and Bichons are awesome).

[emptypockets]

Do you have any other HSBC accounts? I was denied a few months back solely because I had too many HSBC accounts. I tried calling ( because two accounts they had listed were closed - Orchard, and RZMC Gold). When I called, they claimed some other reason - late payments on these accounts ( which I closed in Oct, 2011). This was not true, I never had late payments, in fact i have fact no lates on my reports at all. My score at the time of app was 702.

[bichonmom]

No, never had an HSBC acct. I just know from reading here that most people end up getting approved for the BB MC, and that one is easier to get. I've also seen what tends to be lower limits.

I think I just may wait. After my Amex reports, I know my score will go up. I just have to make due with a borrowed computer in the meantime.

[Anonymous]

LS2982, what number do you call for the Best Buy recon? Thanks.

[LS2982]

Bichon,

Another option is hhgregg. They're backed by GE and very easy to work with for recon higher limits.

[LS2982]

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@Anonymous wrote:
LS2982, what number do you call for the Best Buy recon? Thanks.

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If you apped in-store have the CSR call into HSBC for you and recon while in-store.

[Anonymous]

The application process has changed recently,  You cannot pick whether you want the instore version(RZCC) or the RZMC any longer unless you call in and specifically ask to apply only for one or the other.  They have changed things up after they stopped doing the paper applications in store.  They are all done on the computers, and when you apply it will determine which card and plan is "best" for you without giving you the option, since now the RZMC will give you the in-store no interest promotions only the RZCC used to offer they figured you wouldn't mind.  If you have better credit you will likely be approved on the RZMC, no fee version, which is 2% rewards and 4% rewards in store.  With or without your consent.

[LS2982]

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@Anonymous wrote:

The application process has changed recently,  You cannot pick whether you want the instore version(RZCC) or the RZMC any longer unless you call in and specifically ask to apply only for one or the other.  They have changed things up after they stopped doing the paper applications in store.  They are all done on the computers, and when you apply it will determine which card and plan is "best" for you without giving you the option, since now the RZMC will give you the in-store no interest promotions only the RZCC used to offer they figured you wouldn't mind.  If you have better credit you will likely be approved on the RZMC, no fee version, which is 2% rewards and 4% rewards in store.  With or without your consent.

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This is why you may want to go with hhgregg. The BBRZMC is knowb=n for giving toy limits not liking to do CLI's.

[Anonymous]

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@LS2982 wrote:

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@Anonymous wrote:
LS2982, what number do you call for the Best Buy recon? Thanks.

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If you apped in-store have the CSR call into HSBC for you and recon while in-store.

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Thanks.  I will be applying in store.  Appreciate your help.