Reward zone credit card

[Anonymous]

I applied for a Best Buy credit card and was offered the reward zone card with a $39.00 annual fee but it did not say what the credit limit would be. I declined but if I knew the credit line I might accept. Can someone from best buy check this?

Thank You.

[Creditaddict]

You can call in and ask what the CL would be, not sure though once you decline it... but usually $300 is very typical especially if you are getting the annual fee version.

[Anonymous]

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@Anonymous wrote:

I applied for a Best Buy credit card and was offered the reward zone card with a $39.00 annual fee but it did not say what the credit limit would be. I declined but if I knew the credit line I might accept. Can someone from best buy check this?

Thank You.

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Did you get counter offered the Reward Zone card or did you actually get approved for a Best Buy card?

If you were countered the RZ card I think you should have taken it, especially if you are in the rebuilding stage and, since you already took the hard for it. I know nothing about this card and if it can/will grow with you, but like I said if you are in the rebuilding stage it would have probably been a good idea to accept it.

I know AF's stink, but if you're working on rebuilding your credit, it's the price we all have had to pay on our way back to good credit.

Do you know your FICOS?

[Creditaddict]

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@Anonymous wrote:

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@Anonymous wrote:

I applied for a Best Buy credit card and was offered the reward zone card with a $39.00 annual fee but it did not say what the credit limit would be. I declined but if I knew the credit line I might accept. Can someone from best buy check this?

Thank You.

---

Did you get counter offered the Reward Zone card or did you actually get approved for a Best Buy card?

If you were countered the RZ card I think you should have taken it, especially if you are in the rebuilding stage and, since you already took the hard for it. I know nothing about this card and if it can/will grow with you, but like I said if you are in the rebuilding stage it would have probably been a good idea to accept it.

I know AF's stink, but if you're working on rebuilding your credit, it's the price we all have had to pay on our way back to good credit.

Do you know your FICOS?

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I agree, You were countered based on credit so if you are rebuilding this card works pretty good for that... it won't grow with you but maybe next year you can get the store card and close this MC and move onto more prime stuff.

[Anonymous]

Hello, thank you for the replies. Yes this was a counter offer and I declined a little to hastily! I was doing some online shopping at the time and was in a hurry. Guess I shouldn't try to do too many things at once.

Anyway it wasn't so much the fee that bothered me as the fact they didn't say what the credit limit would be. I was thinking well- if I accept and they give me something like $100.00 credit line minus the annual fee then the card is really not worth it and I would be paying for a card for nothing.

I did send them an email regarding this but the only response I got was something to the effect that they would get back to me but would probably take longer than usual due to holiday?

Oh and yes, I do know my FICO and didn't think it was horrible @ 656 but learning!

[Creditaddict]

If that 656 is TU I would apply for the Apple Finance card by Barclay... you can see a thread of 9 pages currently going on regarding all of applying and recon and getting cli right away, etc. I got it!

[Anonymous]

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@Creditaddict wrote:

If that 656 is TU I would apply for the Apple Finance card by Barclay... you can see a thread of 9 pages currently going on regarding all of applying and recon and getting cli right away, etc. I got it!

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Please bare with me here but what is TU and cli?

[Anonymous]

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@Anonymous wrote:

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@Creditaddict wrote:

If that 656 is TU I would apply for the Apple Finance card by Barclay... you can see a thread of 9 pages currently going on regarding all of applying and recon and getting cli right away, etc. I got it!

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Please bare with me here but what is TU and cli?

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TU is TransUnion CRA (CRA= Credit Reporting Agency) and CLI is Credit Limit Increase

And I agree, maybe think about Barclays Apple Card, you will find many posts around here.

Read here Holy Crap APPROVED for Barclay's Apple!!!!

[MarineVietVet]

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@Anonymous wrote:

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@Creditaddict wrote:

If that 656 is TU I would apply for the Apple Finance card by Barclay... you can see a thread of 9 pages currently going on regarding all of applying and recon and getting cli right away, etc. I got it!

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Please bare with me here but what is TU and cli?

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Welcome to the forums.

TU = Transunion

CLI = Credit Limit Increase

Here is a list of Abbreviations

From a BK years ago to:
EX - 3/11 pulled by lender- 835, EQ - 2/11-816, TU - 2/11-782

"Some people spend an entire lifetime wondering if they've made a difference. The Marines don't have that problem".

[Anonymous]

Thank you! The Barclay apple? So only good for apple products - correct? I promise I'm not an idiot....just went black friday shopping starting last night and I'm going on 2 hours sleep here. Thanks all!