Worth Applying For A Best Buy Card?

[chrisw1968uk]

Hi All

I am in the market for a Microsoft Surface 2 tablet and keyboard, Best Buy have 0% for 18 months if I open an account, I see that the account is administered by Citi - I have a great relationship with Citi, so should I open a BB account - or just app for another Citi card with the same 0% for 18 months - and then enjoy the extended warranty protection and extra stuff that I don't think the BB card comes with?

I am not particularly interested in Best Buy "points" - what do you think? - would having a "store card" make a better improvement to my Fico than just another Credit Card? It says to get a "mix" of accounts and I dont have any store cards

Thanks All

Chris

[myjourney]

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@chrisw1968uk wrote:

Hi All

I am in the market for a Microsoft Surface 2 tablet and keyboard, Best Buy have 0% for 18 months if I open an account, I see that the account is administered by Citi - I have a great relationship with Citi, so should I open a BB account - or just app for another Citi card with the same 0% for 18 months - and then enjoy the extended warranty protection and extra stuff that I don't think the BB card comes with?

I am not particularly interested in Best Buy "points" - what do you think? - would having a "store card" make a better improvement to my Fico than just another Credit Card? It says to get a "mix" of accounts and I dont have any store cards

Thanks All

Chris

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From a rewards stand point I think you can do better with other cards than BB and still end up with 0%  IMHO

[chrisw1968uk]

Thanks MJ - I think we came to the same conclusion, actually I think i will use my (currently SD'd) Discover card instead - I have a couple of months of 0% still available - so will stay in the garden

[creditnocash]

if you dont shop there alot, i wouldnt get a store card. 

the perk though is and read this in the print its 18 months 0% interest on xamount spent 

i think its 1000 for the 18 months but i could be wrong. 

the points are okay but they can only be redeemed to use for best buy purchases. 

[myjourney]

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@chrisw1968uk wrote:

Thanks MJ - I think we came to the same conclusion, actually I think i will use my (currently SD'd) Discover card instead - I have a couple of months of 0% still available - so will stay in the garden

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Using Discover makes sense and if you need time to stretch out more 0% then the choice would be a new card/BT offer and possible bonus extra points in the deal.