Best Buy - "No possibility of CLI"?

[Anonymous]

Hi,

I have a Best Buy MC as well as the store card.

I have had the MC for about 4 years, and the store card for a bit over 2 years.

Both are low limit cards, the MC is $650 and the Store is $500.

Both have been maxed and paid off multiple times, never a late.

I tried to get a CLI on the store card last year and was told that the tier that I am in will NEVER be eligible for a CLI!!! Seriously?

My credit score have increased to a decent level, my DTI is very good, and outside of lates on a  student loan in 2007 my reports are clean.

current scores are EX: 679, EQ 668, TU 698 and I am expecting these score to bump 15 or 20 more points higher when my cards all report next cycle as I went on a paying spree and have significantly lowered my utilization across all open lines.

What is the deal with the best Buy card? I want to use the card, but this is now my lowest card (besides the $200 target card that I have had since 2008 with no CLI ever)

I can't use the best buy card to buy anything because everyting that I would go to best buy for cost much more than my limit.

Has anyone ever heard of Best Buy telling customers that they will NEVER be eligible for a CLI? this sounds very strange to me.

Why would they do that? Why even bother giving me a card in the first place?

Is there a way to get a CLI? I am looking for at least $2k with them in order for it to be of any use

TIA

[LS2982]

Sounds like you got a plan B card, which are not eligible for CLI's. The best thing to do is close out and reapply if you can afford the new acct. and INQ.

[Anonymous]

When I tried CLI on my store card, I got the same msg...

[s_rob7488]

I just went to my online account for the store card and put in my income and it said I was eligible for an increase to $1300 from $800. Not bad I guess. I hope that is a soft pull?

[LS2982]

---

@s_rob7488 wrote:
I just went to my online account for the store card and put in my income and it said I was eligible for an increase to $1300 from $800. Not bad I guess. I hope that is a soft pull?

---

Congrats!!!

It should (YMMV) be a SP.

[Anonymous]

I have only heard of one person who was able to get a CLI on his Tier B card. And it was actually changed to a Tier A. But that's YMMV and almost never happens you will need to get really lucky and speak to a supervisor. Believe me I tried everything on my BB card to no avail eventually I just closed it.

[lazylane]

How do you know which tier you're in?

[Anonymous]

---

@LS2982 wrote:

---

@s_rob7488 wrote:
I just went to my online account for the store card and put in my income and it said I was eligible for an increase to $1300 from $800. Not bad I guess. I hope that is a soft pull?

---

Congrats!!!

It should (YMMV) be a SP.

---

Congrats.

Hopefully it's a soft pull, I have requested a CLI twice on my MC and I got an increase with a SP the first time, and was denied with a hard pull on EQ the second.

[Mike360]

It's a soft pull. I believe the plan b card is the MasterCard with low limits and a AF. Store card which is not branded has no AF with really good increases.

[LS2982]

---

@Mike360 wrote:
It's a soft pull. I believe the plan b card is the MasterCard with low limits and a AF. Store card which is not branded has no AF with really good increases.

---

Plan B card can be either a MC or the store card. AFAIK if your APR is above 25.24% and your limit is $750 or lower it is likely you have the plan B card (YMMV)