Best Buy Credit Card Limit
The easiest way you can check your Best Buy Credit Card balance is either online or over the phone, by calling (888) 574-1301. Alternatively, you can check your credit card balance through the mobile app. These are the ways to check your Best Buy Store Card balance, too.
best buy credit card limit
You can get a Best Buy Credit Card credit limit increase by making a request either online or over the phone at (888) 574-1301. The same methods apply to the Best Buy Store Card, too. Alternatively, you may also get a Best Buy Credit Card credit limit increase without asking, if your account is in good standing.
To raise your chances of being approved for a higher credit limit, ... read full answerpay your bill on time for at least six straight months, reduce your outstanding debt, and update the income info from your account. The issuer will be more likely to increase your credit limit if the revised income clearly shows that you can afford a higher limit.
There are two basic versions of the Best Buy Citi Credit Card. One is a "closed-loop" store card, meaning it's accepted only at Best Buy and BestBuy.com. The other card is an "open-loop" credit card, meaning it is accepted anywhere that takes Visa.
Yes, if you request them to pull your credit in an effort to increase your limit...this would most certainly be a hard inquiry. If your credit/purchase history has led to them extending your credit line without pulling your credit, ths would not count as a hard inquiry.
Thanks for your reply, jdogg836!I understand what you are saying but there is a difference between applying for a credit card and requesting an increase. Once you are approved for a credit card, the lender will continuously monitor your credit report with soft inquiries and adjust your credit limit according to your shifting score. I'm an avid consumer and always try to share the knowledge I gain on forums that obscure their answers. Capital One is open about their limit increase process removed per forum guidelines. Too bad other lenders don't adopt this practice and prefer to remain obscure.
I usually don't apply for store cards to get their rewards but I'll be buying a $3K TV soon and I see I can get 10% back in rewards. That will be $300.00 to spend on something else. I had a BB card about 12 years ago. I believe the limit was at least $7500. My scores are in the 740-748 range. Can I expect a decent SL if I apply?
A year ago, I app'ed and got approved for 2500 with scores about 80 points lower than yours, so I would assume givng the limits of your other cards they would start you off with something decent. The card grows quick. I'm already at 12.5k. Hope this helps.
But, you cant get the 10% back AND the 0% financing offer. Its an EITHER/OR offer. You either take the 10%, or you take the 0% financing. Atleast that was the case for me. I obviously took the 10%, and now i have free best buy money to spend before it expires in october!
Both cards allow you to choose the 5% option for Best Buy purchases or special financing. For example, on purchases totaling $199 or more, you get six months to pay off your balance without any interest.
However, this limits your rewards to only those made at Best Buy stores. Other credit cards allow you to redeem as a statement credit toward any purchase, or even for cash and gift cards with other retailers.
My BestBuy Programs My Best Buy programs Core members Elite members Elite Plus members Shipping fees Free 2-Day shipping (with no annual fee) on thousands of items available on BestBuy.com Free 2-Day shipping (with no annual fee) on thousands of items available on BestBuy.com Free 2-Day shipping (with no annual fee) on all items availble on BestBuy.com Rewards Points if you are My Best Buy credit card user 5% back or 2.5 points for every $1 spent on eligible purchases 5% back or 2.5 points for every $1 spent on eligible purchases 6% back or 3 points for every $1 spent on eligible purchases Rewards points when using another qualifying form of payment 1% back or 1 point for every $2 spent 2% back or 1 point for every $1 spent 5% back or 1.25 points for every $1 spent Returns/Exchanges 15 day return/exchange period Extended 30 day return/exchange period Extended 45 day return/exchange period Specials Member-Only Access to special offers and pre-sale exclusives, such as Black Friday Early Access event Member-Only Access to special offers and pre-sale exclusives, such as Black Friday Early Access event
The store card carries a high APR, for purchases that are eligible for the 48-month reduced rate plan. This card has no fees except for a late payment fee and returned payment fee, each $39. It can only be used when shopping in Best Buy.
Store cards are generally easier to qualify for if you have had minor credit score problems in the past. Your credit score rating is considered bad if it is in the lower 600s. You may have a better chance of approval for the Best Buy cards than you would with other cards.
Blue Cash Preferred Card from American Express Pros & Cons Pros Cons Earn high cash back rates at U.S. supermarkets, gas stations, transit, and mroe transit
Offers card perks such as auto rental coverage and return protection
Can carry a balance from month to month with no added fee
$95 annual fee
High foreign transaction fee
Based on unconfirmed online reports, the highest credit limit for Best Buy could be $12,000 or higher (with excellent credit). However, individual credit limits will vary depending on your credit score, income and other factors.
I figured If I applied for the credit card, I can make 60 dollar payments then pay it off in less than a month with my job. So I applied for the card and I chose the 24 month financing. It didn't accept the card and I am having regrets getting this card. This laptop is one of the best ones with its battery life and powerful gpu. I really do need it for school and work. How is this even possible?
So how can I purchase this laptop? I applied for the credit limit increase. But is it possible to pay off maybe 500 dollars then the rest goes to the card? I have no idea what to do and this very frustrating how best buy does "flexibile financing" with "24 monthly payments".
The timing of your credit limit being restored after a payment may take 1 to 2 days depending on when you made this payment. It's not immediate. So lets say you made a payment in the evening on a Monday. It may be considered too late in the cutoff time to allow the payment to post the same day. So it's processed the next day and so forth.
The Best Buy Visa Card is a store rewards card that offers great benefits for big Best Buy spenders. This is a Visa card and the card is accepted everywhere Visa is, meaning you do not just have to use it at Best Buy.
However, there are some exclusions including commercial purchases, payments made on your Best Buy card, purchases paid with a gift card or reward certificate, certain fees and charges, Thermador products and Apple and Beats products not purchased on standard credit.
Best Buy Visa Card cardholders receive 5% back in rewards on shopping at BestBuy ( 6% back* in rewards for Elite Plus Cardmembers), 3% back in rewards on gas purchases, 2% back in rewards on dining, takeout and grocery purchases, 1% back in rewards on everyday purchases
The APR for the Best Buy Visa Card is a 29.24% Variable variable rate for all who are approved which is very high for a card that requires borrowers with excellent credit histories. In case of a cash advance, the rate is 30.24%.
Best Buy Visa Card is best for consumers who are frequent customers at Best Buy or are planning to make large purchases at Best Buy. The Best Buy Visa Platinum card offers a variety of benefits for those who are loyal Best Buy shoppers.
Best Buy Visa Card offers rewards outside of Best Buy, but those rewards must be spent within Best Buy. The rewards offered outside of Best Buy can be recreated with other cards that are more competitive.
A potential consumer looking at making a large purchase for appliances or a new home theater system and who wants to pay that overtime may want to consider the Best Buy Visa Card . They can defer interest for a time and pay off the balance of that large purchase. Always be cautious on deferred-interest financing because if you do not pay off the balance, the balance will be charged to your credit card.
Citi does not state what credit limit you can expect with this card, but there are reports of initial credit limits of $2,000 to $7,500 from previous and current customers. Your credit limit will be determined by a number of factors during the application process including your creditworthiness and income.
Obviously, this is a Best Buy branded card, so it is a good idea for those who are particularly loyal to Best Buy. Since the card is also heavily weighted towards rewards for Best Buy purchases, you should consider it if you tend to spend a large amount in Best Buy each month or year.
Citi does not state what credit limit you can expect with this card, but there are reports of initial credit limits of $2,000 to $7,500 from previous and current customers. Your credit limit will be determined by a number of factors during the application process including your creditworthiness and income."}},"@type":"Question","name":"How To Maximize Rewards?","acceptedAnswer":"@type":"Answer","text":"Since this is a Best Buy branded card, you\u2019ll get the most rewards on your Best Buy purchases. So, think outside the box and explore all the store aisles and online categories.Even if you\u2019re a keen Best Buy fan, you may be unaware of the sheer volume of available products. You may find products that you typically buy from another retailer at Best Buy and you can earn more points.","@type":"Question","name":"How's Best Buy Store Network?","acceptedAnswer":"@type":"Answer","text":"Best Buy is a fairly large chain with a store network with almost 1,000 locations throughout the United States. There are also Best Buy stores and outlets around the country. While this is not as large a network as Walmart or Target, it is still fairly easy to find a store in most areas of the country.","@type":"Question","name":"When Should You Consider It?","acceptedAnswer":"@type":"Answer","text":"Obviously, this is a Best Buy branded card, so it is a good idea for those who are particularly loyal to Best Buy. Since the card is also heavily weighted towards rewards for Best Buy purchases, you should consider it if you tend to spend a large amount in Best Buy each month or year."]}Suggested Videos From Our ChannelPlayPlayPlayPreviousNext Review Store Credit Cards Amazon Prime Rewards Visa 041b061a72