Hello! I am 20 years old and I currently have a credit score of a 746 and that’s because of my car loan and because I have never missed a payment in my credit history thus far. I have had a credit line open for at least 8 months and make around 2-3k a month maybe more and have a car payment of $380 and is my only monthly payment, as I still live with my parents. I have a couple of grand saved up but I wanted to know if I did move out if I can get approved for the best buy card for the interest free financing. Besides my car loan, the only credit card I have is the discover student card and have an exceptional payment history. What are my approval odds?

UPDATE: I actually applied to the Amex Blue Cash Everyday card after posting this shortly after, and was approved. I waited three months until my score raised back up to 740 on my experian and I decided to apply in store. After the application was finished, I was approved for $2000 for the Best Buy Visa Credit Card. I put in for rent or own "own" gave a more than enough estimate of what I made, which was "$45,000" and was instantly approved. My highest account at the time was 11 months, so it is possible to get this card with less than one year of credit history. I do know of a coworker there at bestbuy that was approved for "$2000" with a 670 with "$40,000" and multiple hard inquiries this past year 5+.

So I just applied for the best buy credit card and got this message, " Thanks for your application. Please call Citibank N.A. using the numbers below to provide a few more details and receive a decision." So I called the number and provided the information. The representative said I just needed to verify my home address and phone number, so he sent a text to my phone and then told me "congratulations you're approved for the Citi Visa Credit Card with a starting limit of $4,000." I said thanks and hung up. Then my computer screen refreshed and it shows I was approved for the "best buy store card" and not the visa like I was told.

I'm not too upset about this, however I am confused. I tried calling best buy credit card customer service and they said that they only see I was approved. They said I'd have to go to a best buy store in person and see if it's actually the visa or just the store card version. And if it was the store card, I'd have to apply again for the visa version, but there's no guarantee I'd be approved for the upgrade. I was also told it could result in another hard pull on my credit report.

Has this happened to anyone else? I mean I didn't plan on spending the card outside of Best Buy, but I don't like being told I was approved for the visa when I apparently wasn't.

I know it’s not the most popular but I’m really wanting to try and apply for the Best Buy credit card but I’m afraid I won’t get approved. Anyone have any advice on what I need to do to boost my chances of approval?

How much impact (HARD HIT) will I have if I apply for best buy credit card?

The employee says it’s lifetime free.

Any other pros or cons of this best buy credit card?

I’m a student looking to get a MacBook and currently I only have the money to finance one, I already have 5 credit cards and a score of 740 (I don’t know if that is relevant) but there is a MacBook on sale at Best Buy and I was looking to finance it but the only way is to get the BB card and I don’t plan on financing any other devices from them in the future.

I applied for a Best Buy credit card and was approved. I didn’t know by just applying and being approved means they’ll just send you a card in the mail? I don’t necessarily want a credit card with them, I was just curious if I would be approved. They sent me an email saying “your card arrives in 7-10 business days”. Do I need to call them to close it? Is an account opened or are they just sending me a card? If I do have to close this account, will it affect my credit score? I feel so stupid because I’m new to all this credit stuff. Thanks in advance!

My score recently dipped to 645. After paying off our cars, we don't have anything on credit.

The wife and I were looking to get gaming laptops, and we have the cash to buy them in full (about $3k). They are actually $250 off until tomorrow.

Best Buy has a 0% APR for 12 mo promotion right now.

I assume chances of getting a "good card" with low APR aren't great with my current score.

Would singing up for the card be a good idea? My plan would be to pay more than minimum every month and pay the remaining balance with our taxes.

Yes, we have the liquidity to buy them, but if I can keep money in savings and raise my score in 6 mos that would be nice.

Also, with the current "macroeconomic conditions" and threats of tariffs going up Nov 1st, along with other tech getting more expensive with time (PC components, PS5, Xbox) combined with the $250 off each laptop and no APR for 12 Mos, I figured this might be the play to make.

FWIW, we were going to wait til Black Friday and buy them cash anyways, but with the costs of everything, especially tech, going up, I concocted this plan while browing the BB app

Thanks in advance!

EDIT: I know generally staying under 30% is good. Would utilizing 100% and paying off in a few months ultimately harm me?

I'm thinking about applying for this card as Best Buy is a retailer I visit semi-frequently. I was wondering how people who do have the card have been liking it or why people avoid it. To me, it seems like a somewhat better version of the Apple Card, since you get 5% back at Best Buy, 3% back on gas, and the flexibility to finance more than just Apple products. What do you think?

so basically, i wanted to buy an iPad and i was going to pay for it by card. At the cashier, the guy said I can apply for the best buy visa card and stuff so i did but i still thought i was going to pay by card. I didnt hear him say anything about fees or what. when the process was done, it was charged to the best buy visa card. I was thinking, do i have to pay that eventually? like every month? the $410 that was charged for the iPad, do i have to pay that still or?

I'm thinking of getting the best buy card so I can pay overtime because I have a large university purchase but idk if it's worth it.

I’m trying to get a school computer from Best Buy and I’d like to pay it off monthly instead of paying such a big sum rn. I’m not too diversified in how credit cards like this work. Is it good? Should I just hold off and save the money up? How exactly would the payments look like?

I wish they taught things like this in school :/ I have absolutely no idea how any of this works

I am in need of a new laptop and have been wanting to buy a MacBook Air for years now, and I finally have the income to afford it. If I apply for a Best Buy credit card to finance the device ($100ish a month for 18 months with no interest if paid timely) and then cancel after paying the device off, will that affect my credit score? It is way cheaper than doing the same process through Apple. I have had a discover card for a little while now and have never missed a payment. I need a new device and want to make a conscious decision while I can afford it. Any insight is appreciated.

So today I got approved to have a Best Buy credit card account holder. I got the Platinum version where I can cash back on gas, food, etc. Literally the only reason why I got this is because I want to get my girlfriend a MacBook for Christmas. I don’t plan on buying a lot of things from Best Buy either. I was reading reviews on how people hated this card and other reviews on how it’s a good card lol. I’m mostly scared of my credit being affected if I don’t use it at all or if that will slow my credit building process. If I applied today and got approved but haven’t received my cars yet, is it safe to cancel it without affecting my credit score? Any advice?

About 8 months ago i went to best buy to look for a new TV, Employee talked to me about 20min or so about the credit card so i decided to go for it i told him i had excellent credit i have never missed a single payment on all 3 of my credit cards and he pretty much guaranteed me i would get instantly approved and could walk out with the TV today and finance it. After he did the application he told me it was pending and i would get a response in the mail. Got the mail from citibank never even heard of them before to be honest and it said i got denied. Well today 8 months later i decided to give it another go after again being convinced by a employee.. same thing happened i was told it was pending which mostly means i will be shot down again. Does not make any sense since i have been approved for cards that are extremely hard to get. Realized on my way home i had made a mistake applying for the best buy card.. not dealing with these bafoons again !

A Best Buy employee at a store told me that if I apply for a Best Buy credit card in the store instead of online, I’m more likely to get a higher credit limit. Is there any truth to this?

Quick background: I shop at Best Buy frequently and plan to purchase a new TV, so I want to open a Best Buy credit card. I asked a Best Buy employee what happens if my card’s credit limit isn’t high enough (for whatever reason) to purchase this new TV in full. He said that if I open the card with him in the store versus online, I’m more likely get a high enough credit limit to purchase the TV in full. This seemed a little strange, and was curious if this was actually true.

only posts i can fnd are from 2 or more years ago. isn't interest on these new credit cards stupid insane? my gut is to opt out and keep using my card for in store purchases.

also my current card is Citi and my only Citi card i have other Visa credit lines and it would be nice to have my credit history coming from different brands no?

are there any perks that i might not be aware of that i should know about a bestbuy visa?

i usually hover around seven twenty

EDIT: i use the current store card for 12 month interest free payments, i see no mention of this on the visa card.

So I’ve had one credit card from Navy Federal since I turned 18. I’m 24 now and my credit has been at 700 for the past year. I wanted to make a big purchase of a new computer for my girlfriend for her birthday and don’t want to make the purchase out of pocket (while I can afford it.)

As I’m at Best Buy a couple times a year making decently sized purchases, I have been considering the store card. I’m not irresponsible enough to make any purchases with the card that I couldn’t afford myself, so I am thinking paying off the Best Buy card would help my credit out a bit.

Then again, I know very little about credit and credit cards so any advice would be helpful really.

Just paid off my Best Buy Credit Card with a $4,000 limit. Wanted to request an increase but the app says that Citibank would be pulling my report.

$50000 net income

My report is clean enough to eat off of, and I have a Experian of 731, Equi is 709 but that was 2 weeks ago and Trans Union is believe is also about 730.

Would they do a soft or hard pull is really my question but also any idea of how much they may approve me for?