Best Buy CC Decline

[Anonymous]

I applied for a Best Buy card today to take advantage of the no interest for 18 months for a new refrigerator, well came back declined due to "late payments". Yes I had some late payments almost 5 years ago?? Nothing has been late since , nothing, paid off one car bought another with no problem, great rate by the way, have two credit cards paid on time never late, I have to buy a fridg to move into a new place, are all the "no interest" places ( Lowes , Sears, HHGregg and Hope depot) going to give me the same result, this is real frustrating because my scores are just shy of 700. ???

Thanks

[fishbjc]

Best Buy is serviced by HSBC.  I've heard that they have tightened their belts.  I believe Lowe's is serviced by GEMB.  They've been very good to dh...even when his scores were low.

If you can afford the inquiry....shoot for the Lowe's.  You will also get a 10% coupon.  With a near 700 score and baddies FIVE YEARS AGO...I think you'll get the Lowe's. 

[Anonymous]

Thanks fishbjc, my next move was either Lowes or Home Depot, but sheesh they really have put the clamp down, I bet a home loan would be like pulling teeth these days.

[fishbjc]

Yes....have you asked Best Buy to reconsider?????  Do you have an o/d line on your checking that you can access?

Can you get into Navy Federal CU?????  Those are all options.

Do you have a life insurance policy that pays dividends that you can access?

How about a small personal loan?

[Anonymous]

Yes I asked them to look at it again because there shouldnt be a problem, and still no go,

yes I have od on checking, called my banker and told her and she said she would loan me the money but I was going for the no interest deal which she can not do.

Not familiar with Nave CU??

[Anonymous]

Yesterday, I decided I wanted a digital camera and found some great deals on Best Buy, so I applied for the HSBC Mastercard first online.  I was denied for a plethora of reasons (serious delinquency in the past 5 years, a bunch of inquiries recently) so I decided to apply for the store card and I was denied because it could not verify my identity.  So, I called and answered some questions and found out that I was denied for the store card but approved for $320 Mastercard with no Annual Fee.  I thought it would be hard to get the store card personally.

I have fair credit with an avg score of 663. (score from CreditInform.com)

[Anonymous]

But I am going to wait and get the camera till I have cash to pay it right off because there is NO financing deal with the MasterCard and I don't want a $150 purchase to multiply to $300 because I can't the balance off and interest is soooooo heavy....

[Anonymous]

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twiley121 wrote:

I have fair credit with an avg score of 663. (score from CreditInform.com)

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Not sure what site that is, I found a mycreditinform.com.

However, it appears that your score you posted is likely not an actual FICO score, but a FAKO score.

Your FICO may be higher or lower.