BestBuy - Plan B Store Card

[smc733]

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@Anonymous wrote:

Great... now I'm confused what card I have.

I just called Customer Service and asked if there are two different type of cards. The CSR stated there are only one type.

I got a CLI from $800 to $1200, is that a plan A or B?

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I've heard the plan B does get small CLIs.  Try comparing your interest rate to the references on the website/on the FICO forums.

The Plan A cards I've heard all have $2,000+ limits, but you never know.

[Anonymous]

I have a high apr of 20.99.

So the only difference I see between the two are the CL, APR and CLI?

Purchasing 0%  finance options are offered for both right?

[smc733]

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@Anonymous wrote:

I have a high apr of 20.99.

So the only difference I see between the two are the CL, APR and CLI?

Purchasing 0%  finance options are offered for both right?

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Definitely.  

I remember hearing your "plan" can change after a while, though.  Still $1,200 should be sufficient for most BB purchases.

[laz98]

your interest rate is better than our interest rate!  ours is 24.24%

[Woolfman]

I have had my BB card for over 2 years now. I have used it quite a bit . (never paying interest) and it is stuck at the 850 mark . Has been and i get the same message about the card not being able to get a CLI . I called them a few months back and was told it was a plan B card and the only way to get a CLI is to close it and apply again. Eventually ill do that  But so far the 850 has been close to what we need .

Although they did have a washer and dryer set (red lg front loaders) that were on sale during christmas for 1k for both (with the wifes employee discount) we paid 1200 bucks for the set and the stands. And then through her learning about other LG productsz(a bestbuy employee learning webclass)  we are getting a 30% rebate on the total purchase price. So we put 850 on the BB card and im just paying the min 10 bucks a month right now (18 months 0%) . Im hoping her love of her new washer and dryer never wears off. The woman has never done laundry like this before!  The minute we get enough for the load .. in they go! LOL

[Anonymous]

 I will never really know

I requested CLI about 4 months ago, and it says that I can only request an increase every 6 months.

Play A or B, I'm satisfied with $1200 CL.  

[Ron1]

Best Buy Card have 25.24% (Plan A) or 27.99 (Plane B) based on your creditworthiness.  It doesn't matter what  your purchase rate is.  You will not pay a single penny of interest  before your promotional period expire. I haven't paid any interest since I got the card. I got CLI every six months.

Ron.

[Ron1]

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@Red1Blue wrote:

I received a letter stating the type of BestBuy store card is not eligible for CLI. I guess I have one of those plan-b cards. After few months of usage can I ask for the CLI or do I have to apply for again to get the plan A card. Do they upgrade the card to plan a card or will they issue a whole new account?

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You will be eligible for CLI after six months if your account is qualified. You have to request online without hard pull. They're going to hard pull if you called their customer service.

Ron.

[Ron1]

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@Anonymous wrote:

Great... now I'm confused what card I have.

I just called Customer Service and asked if there are two different type of cards. The CSR stated there are only one type.

I got a CLI from $800 to $1200, is that a plan A or B?

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That's should be Plan A.  What's your purchase rate of the account?

Ron.

[Red1Blue]

My CL is $800.