Best Buy Store Card -

[Mike360]

If your UTIL is low and a 700+ score w/ decent history you should be able to get the store card.

[Anonymous]

Yeah, I'm good there. But I don't like the fact that I would be going back to Capital One. I may have to pass on this one.

[Mike360]

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@Anonymous wrote:

I wonder since it's now Cap One, do they do the HP on each CB?

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I don't believe Cap One does hard pulls on all 3 for store cards they back. I've gotten CLI with both Kohl's and Best Buy both w/ CapOne with soft pulls.

[Anonymous]

Shouldn't the card be easier to get since it's backed by Capone?

[Anonymous]

Yeah, but I have a feeling that even though I have Citi and Discover under my belt that they will still give me a lowwwww limit. 

[Mike360]

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@Anonymous wrote:

Shouldn't the card be easier to get since it's backed by Capone?

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The MasterCard is pretty easy to get due to it's low credit limits and AF. The store card is harder due to higher starting limits and no fee's. I was denied a year prior for the store card prior to being approved. Good history,No major baddies & low util will get you it.

[Anonymous]

You guys are a bad influence. But you're right. Might as well finish off this app spree with the creditor who started it all. Will apply later and let you all know the outcome.

[Anonymous]

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@Anonymous wrote:

Shouldn't the card be easier to get since it's backed by Capone?

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When they shifted from HSBC to Cap1, nothing at all in terms of new card holder treatment changed. By that I mean approval rate, limits, denial reasons, etc. all stayed EXACTLY the same.

The store card is usually harder to get, however there is a BBRZMC with no annual fee and I have seen customers approved for 5-10K (just like with the store card) although it is rare.