"Got The Card And Called..."
My Best Buy® Visa® Card Review
Written by: brian23 on 2008-06-23
Overall Satisfaction
Customer Service
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Account Management
Delivery Time
brian23's review: 
So, I got the infamous MasterCard with the 300 CL and 79 AF. I did just like everyone told me and I simply called customer service to complain about the annual fee and low CL. Well, after being shuffled around a bit, I finally spoke to a very nice lady who said if I didn't close my account she would lower my AF to 36 dollars and up my credit limit to 500. So I gave in and accepted, but I think I did alright?
So, I got the infamous MasterCard with the 300 CL and 79 AF. I did just like everyone told me and I simply called customer service to complain about the annual fee and low CL. Well, after being shuffled around a bit, I finally spoke to a very nice lady who said if I didn't close my account she would lower my AF to 36 dollars and up my credit limit to 500. So I gave in and accepted, but I think I did alright?
6 Comments
Comment 1 by rob72830
Way To Go! 
on 2008-06-23
Congrats Brian! Since $36 is less than half of $79 and you go t a cli I think you did great. I am waiting for mine to come in hopefull this week. I am going to try the same thing you did.
on 2008-06-23 Congrats Brian! Since $36 is less than half of $79 and you go t a cli I think you did great. I am waiting for mine to come in hopefull this week. I am going to try the same thing you did.
Comment 2 by hjm331
RE: Brian on 2008-06-23
You did pretty well with the situation you were forced into. HSBC has tiers for this card. I have the "platinum tier" card and I was approved for $750 with no AF. Once I hit the one year mark in November, I will ask them to raise my $1k CL to $2k. If not, then I will cancel the card.
on 2008-06-23 You did pretty well with the situation you were forced into. HSBC has tiers for this card. I have the "platinum tier" card and I was approved for $750 with no AF. Once I hit the one year mark in November, I will ask them to raise my $1k CL to $2k. If not, then I will cancel the card.
Comment 3 by brian23
Thanks Everyone!!! on 2008-06-24
Thanks again everyone for the scoop on how to handle it. Rob, def try exactly what I did. If your firm enough, they will give in. I was shuffled through like 4 departments, but they gave because they quote on quote "didn't want to lost me as a customer." But definitely push the no annual fee and the higher credit limit. The lady on the phone was very nice and she gave in to my demands as long as I wouldnt close the account.
on 2008-06-24 Thanks again everyone for the scoop on how to handle it. Rob, def try exactly what I did. If your firm enough, they will give in. I was shuffled through like 4 departments, but they gave because they quote on quote "didn't want to lost me as a customer." But definitely push the no annual fee and the higher credit limit. The lady on the phone was very nice and she gave in to my demands as long as I wouldnt close the account.
Comment 4 by ding
Rob72830 on 2008-06-25
Hye, if you try this... Please let me know what happens... I want to get this card and have a nice limit... Thanks... With no AF or very small one... Thanks... What credit report was pulled and what were the scores?
on 2008-06-25 Hye, if you try this... Please let me know what happens... I want to get this card and have a nice limit... Thanks... With no AF or very small one... Thanks... What credit report was pulled and what were the scores?
Comment 5 by ding
Rob72830 on 2008-06-25
Hye, if you try this... Please let me know what happens... I want to get this card and have a nice limit... Thanks... With no AF or very small one... Thanks... What credit report was pulled and what were the scores?
on 2008-06-25 Hye, if you try this... Please let me know what happens... I want to get this card and have a nice limit... Thanks... With no AF or very small one... Thanks... What credit report was pulled and what were the scores?
Comment 6 by hjm331
RE: Ding on 2008-06-25
HSBC has a few different levels for this card. I have the Platinum version which didn't have an annual and was approved for $750 with scores in the mid 600's. HSBC isn't very friendly with increases so don't count on it. It is a really good card to build/rebuild your credit with though.
on 2008-06-25 HSBC has a few different levels for this card. I have the Platinum version which didn't have an annual and was approved for $750 with scores in the mid 600's. HSBC isn't very friendly with increases so don't count on it. It is a really good card to build/rebuild your credit with though.
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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.
