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+.

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!