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.

Bought a new phone from Best Buy. They told me financing was available and asked if I was interested in more info, what I qualified for. I said sure, I thought it would be like Afterpay or something.

You know how this goes, they ran a hard credit check and suddenly I have a new Best Buy credit card. Not great.

I stayed in the store and complained that not only did I want the account closed before I left, I wanted any record of it being gone (trying to preserve my Chase 5/24 by not opening cards), and I’m told that was handled.

Is there any way I can get the record of the credit check removed from my credit history also? I didn’t want the card, I didn’t know they were going to open a card when they talked about “financing.” The rep didn’t say anything about a credit card. Maybe I should have looked at one of the financing brochures to see what it was instead of just letting the rep “tell me what I qualified for” or whatever. Trying to raise my credit score for a potential house purchase in the next year or so

As some of you may be aware, Best Buy offers a credit card that has promotional financing so you can buy more expensive electronics without having to worry about typical interest or minimum payments (if you pay it off in full by the financing timeline agreement). Well when I was on the fence about financing a product I asked a Best Buy employee if it would hurt my credit to finance by holding a balance, they said it would not impact it at all. I was skeptical and for good reason as I just found out today on credit karma that my credit score dropped significantly from financing with the credit card. Not blaming anyone but myself, I just want others to be aware, your promotional finance DOES in fact affect your credit score! I don’t want others who are watching their credit for something make the same mistake I did.

Hi, I was planning to buy a tablet, and I saw this thing called best buy financing, where it says that you can pay portions per month instead of paying in full. Is that what it means? Does anyone know exactly what is best buy financing? Thanks in advance!

I plan on buying an iPhone, apple watch, maybe airpods (and some other tech things) over the next year. Best buy carries all the apple products and has financing available so I am leaning towards it. I can also buy other things at best buy. I will be moving to a new apartment. I'm not really looking for the cash back or rewards as I'd rather have the financing.

I do have 2 cards already that has rewards: capital one savor (3k limit) and chase freedom unlimited (1k limit). I don't plan on opening any cards after this for a while. So should I get the best buy credit (not store card) or are there better options available? Should I consider the apple card?

So what exactly is the fine print on financing electronics at Best Buy through Citi? From what I can tell, you are screwed if you don’t pay it off completely by the end of the agreement (12mnths). Is it just a credit card and I get approved for a certain limit on that card with 0 interest for 12 months? What happens after I pay it off? Do I just keep this card? What can I use it for? Do I just close it? Would it have any negative effect on my credit? Why would a person want to pay upfront rather than finance? How does Best Buy/ Citi profit from 0% interest? Any insight helps, thanks.

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+.

Hi I recently took out a fairstone Crédit for a much needed laptop. I have one year to pay off $2000 and plan to make $200+ payments a month. 2,000 is much more than I can pay in one go and I need my laptop in order to work.

Given that I accomplish this, do you think it was a bad choice? I have good credit and got rid of all my credit cards. I know the interest rate is 30.99% which is a big yikes but if I have some balance off the 2k is that off the initial or remaining?

I did do research and used them before no problems but after some digging on reddit I'm stressing out and wondering if loving that onto a line of credit mightve been the better option and is still a possibility.

Just looking for a piece of mind, sorry if this was asked before