I want to get at least one retail card, I've pretty much squared away all my collections debt (removed) and am waiting for EQ to delete some check fraud from a while back. What kind of scores do they look for?? Anyone have their card?
@Eddie24CO wrote:I have the BB Mastercard and actually it is a complete joke. You need at least a 560, but it is through HSBC and they only gave me $100 CL with no AF. It is absoultely stupid, i took it just so i can improve my overall credit limit utlization and improve my scores, but i don't use it other than to pump $10.00 in gas and PIF each month.
The actual Best Buy Card is through Chase Bank and you have to have at least a 700 FICO to get approved.
I have had it for a year and they refuse to give me a CLI.
I'd say if your looking for a card to go w/ secured one w/ Capital One. I just applied and got approved for a $49.00 fee and you will be treated a lot better than best buy.
I have that one already, I want to get a retail card in like 6 months. So the best buy retail card is through Chase bank?
@cw81 wrote:
@LS2982 wrote:I want to get at least one retail card, I've pretty much squared away all my collections debt (removed) and am waiting for EQ to delete some check fraud from a while back. What kind of scores do they look for?? Anyone have their card?
The bestbuy retail card requires good to excellent credit I believe the low scores approved for that are like 680 but most people say you have to be in the 700s /
Good to know, May wait like 6-8 months and see what my scores are looking like. That target card doesn't seem like a bad idea. You know anything about the home depot card?? I do alot of shopping there with my job.
@cw81 wrote:Home depot is backed by Citi if i recall right its also one of the harder retail cards to get you would need to be in mid 600s I believe to get them they tend to pull EX or in some cases EQ where I am. Lowes is slightly easier backed by GEMB and they normally pull EQ and sometimes TU.
DH just got approved for Lowe's this month and they pulled TU. I'm really pleased that he got this, as they just instituted a new incentive -- 5% discount at the register on all purchases if you pay with their card! 
@cw81 wrote:Home depot is backed by Citi if i recall right its also one of the harder retail cards to get you would need to be in mid 600s I believe to get them they tend to pull EX or in some cases EQ where I am. Lowes is slightly easier backed by GEMB and they normally pull EQ and sometimes TU.
Would it be in my best interest to get a secured Citi card then?? PIF for like 6 months and if scores are mid 650's i should have a great chance in getting the home depot card. I know i would use that card regularly for tools and all.