"Approved"
My Best Buy® Credit Card Review
Written by: snier on 2009-03-14
Overall Satisfaction
Customer Service
Rewards
Account Management
Delivery Time
snier's review: 
I actually applied for this card back in November and was approved for a limit of $300. A limit of $300 wasn't even close to the limit I was hoping for so I closed the account. I recently applied again and was approved this time for a limit of 1,200. This is currently the highest limit I have on a card. So safe to say this help add a lot of cushion to my total ratio. :)
I actually applied for this card back in November and was approved for a limit of $300. A limit of $300 wasn't even close to the limit I was hoping for so I closed the account. I recently applied again and was approved this time for a limit of 1,200. This is currently the highest limit I have on a card. So safe to say this help add a lot of cushion to my total ratio. :)
6 Comments
Comment 1 by patrick12
Congratulations!!!!!! 
on 2009-03-14
On your approval! HSBC store cards are great! And from what I am hearing they increase credit limits a lot quicker than the MasterCard! If you don't mind me asking, what were your scores at the time of approval?
on 2009-03-14 On your approval! HSBC store cards are great! And from what I am hearing they increase credit limits a lot quicker than the MasterCard! If you don't mind me asking, what were your scores at the time of approval?
Comment 3 by snier
Scores on 2009-03-15
Equifax was 660
Experian was 718
Not really sure why there is such a big gap between them
on 2009-03-15 Equifax was 660Experian was 718
Not really sure why there is such a big gap between them
Comment 4 by wanderer
Best Buy on 2009-03-22
Nice credit limit and great scores. Keep up the good work.
on 2009-03-22 Nice credit limit and great scores. Keep up the good work.
Comment 5 by emosmurf
CLI on 2009-05-10
I applied for this card in the store and was approved for $410 CL w/t $59 AF. I got the card last week and paid off the AF immediately. Then I called customer service and told them I had second thoughts about the card because of the high AF and not so significant CL. They offered to lower my AF to $29 and refund me the difference of what I had paid. I told them I'd rather have a larger CL. They immediately raised it $610. I plan to call back in 6 months and use the AF as a way to haggle my way to yet another CLI. :-)
I do plan on getting the AF lowered (or eliminated) eventually, but for now it's a way of getting them to negotiate with me and get my CLI's. :-)
on 2009-05-10 I applied for this card in the store and was approved for $410 CL w/t $59 AF. I got the card last week and paid off the AF immediately. Then I called customer service and told them I had second thoughts about the card because of the high AF and not so significant CL. They offered to lower my AF to $29 and refund me the difference of what I had paid. I told them I'd rather have a larger CL. They immediately raised it $610. I plan to call back in 6 months and use the AF as a way to haggle my way to yet another CLI. :-)I do plan on getting the AF lowered (or eliminated) eventually, but for now it's a way of getting them to negotiate with me and get my CLI's. :-)
Comment 6 by emosmurf
BestBuy RewardsZone Mastercard on 2009-05-10
My above experience was with the BestBuy RewardsZone Mastercard, by the way. I just wanted to show that getting a CLI with them isn't impossible.
on 2009-05-10 My above experience was with the BestBuy RewardsZone Mastercard, by the way. I just wanted to show that getting a CLI with them isn't impossible.
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Disclaimer: This content is not provided by Citibank. Any opinions, analyses, reviews or recommendations expressed in this article are those of the author's alone, and have not been reviewed, approved or otherwise endorsed by Citibank. Review content is powered by Finance Globe.
