Pre-Approval Store Cards

[Anonymous]

I would like to open a store card, but would prefer a preapproval site due to my suspect FICO's(Mid 600's). I have read the credit card preapproval post but they only have BoA, HSBC/Orchard, Cap One, and Amex.

Please any help is much appreciated.

Edit: Best Buy web application is not a pre-approval or a soft! You will incur a HARD inquiry and be applied for their store card.

*If you do not qualify for Plan A or Plan B - you will be offered the BB MC with a 59 AF. 

Message Edited by rabdelr on 05-27-2009 09:48 AM

[Anonymous]

What are your scores like? I don't think there are any sites where you can check for pre-approved store card offers.

[Anonymous]

632 Eq - FICO 04/17/09 - Might see a marginal increase after report updates my corrected dispute(guessing 645-650ish)

658 Tu - FICO 04/17/09

683 Ex - FAKO 04/17/09 (663 - FICO - 02/14/09)

Most recent baddy 60 Late 1.5 yrs old

1 - Coll Paid - CACH on behalf of BoA

1 - Charge Off CC - BoA  

Ive been Pre-App from Cap($39 a yr) one and HSBC($59 a yr) but i want a 0 fee card to sit at a 0 balance.

i looked into crown jewelers but their deal was junk

[haulingthescoreup]

Supposedly you can do a pre-approval for the HSBC Best Buy store card, but when I tried it, I would up actually getting a card. I never did figure out at what point the pre-approval turned into the real thing. But that was a year ago. Also, mid-600's would probably stick you with the BB MC, which you definitely don't want.

[Anonymous]

Ha! I was about 10 minutes late on reading your post.... I did the preapproval on BB website and ended up with a 600.00 CL on their store card. I was just shopping around but i guess i'm stuck with this for now =) I only got 100.00 CL on my macy's i just opened - tisk tisk on my 2 new accounts. At least they are both generous witht he luv button ^_^ No more credit hunting now

[haulingthescoreup]

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rabdelr wrote:
Ha! I was about 10 minutes late on reading your post.... I did the preapproval on BB website and ended up with a 600.00 CL on their store card. I was just shopping around but i guess i'm stuck with this for now =) I only got 100.00 CL on my macy's i just opened - tisk tisk on my 2 new accounts. At least they are both generous witht he luv button ^_^ No more credit hunting now

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That's funny! --you must have been hitting "send" on the app at the same time that I hit "send" on my post.

Are you sure that you got the store card? I've heard of people applying for the store card but getting the Visa, and not realizing it until the card came. You might want to confirm with customer service (which is a trip in and of itself.)

If it's the store card, congrats (well, even if it's not.) The store card tends to grow with you, and it doesn't seem to require the endless fussing and grooming that their bank cards demand.

[Anonymous]

yeah i did receive the store card, howevere; It was the plan B card. Better than getting stuck with the BB MC and it's $59 AF. I keep reading the forums and people on BB Plan B cards keep saying different things about CLI's. The on;y factual difference i have noticed is the higher APR % and 20 vs 23(oplan A) day grace. 

[Anonymous]

Hello, What does the initials BB MC stand for?

Pot

[Anonymous]

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@Anonymous wrote:

Hello, What does the initials BB MC stand for?

Pot

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Best Buy MasterCard

[Anonymous]

BB MC = Best Buy Master Card

you can also visit the  Guide to Common Abbreviations  located in the frequently requested threads.