Hubby & I went to Best Buy today to get a new puter that we really need. We applied for the 6 mo, 0% financing. We could've paid cash, but we went nutty at Xmas & reserves are low. They declined me! I got on the phone w/ the lady & she said it was because of lates on mortgage. I asked her what she was looking at, because I haven't had a late on ANYONE since 2000. Not only that, I've got positive lines w/ no lates at all. My scores aren't fantastic, but they're not *that* bad either. Our monthly income is pretty nice. She said she didn't care, she was hung up on the old lates. I felt like it was HER decision & not any criteria to follow. I'm going to PFB them. Hubby was so bummed that we didn't buy the computer (we had other means, but were hoping for that 0% stuff). They're on MY blacklist now.
I had a similar experience in 1999. I had good credit, but I wanted to purchase a computer for six months 0% interest. Well, I apply and Best Buy (Benefical/Household) gives me $500. I was so ticked. I left the store without buying anything. Hubby and I then drove over to CompUSA (did not know it was the same bank). I got a credit line totaling $2500. Same bank, same criteria. Guess who we purchased the new computer from? Dani You may not think so, but it was probably a good thing not being approved. Everything I have ever purchased from Best Buy has broken one month after having it - CD player, CDs, and stereo system. The stereo has been returned twice already.
nursie, They closed both my cards including Bestbuy and CompUSA before the card arrived. They told me they couldn't verify employment. No more them. Ron.
If you are ever DENIED at a store for "INSTANT CREDIT"...DON'T pay another way!!! Make sure they know you will go to another store for your purchase...and you PROBABLY won't be back!!!
i got denied for household best buy card, they sent me a gold household (no fee, 3.9% for 6 months, free $25 best buy GC) card instead. go figure. i can't beat 3.9% for 6 months and $25 GC , so its a keeper. best buy is so overpriced anyways, you can do better than that
Did they offer you this becuase you complained? Or they just used your profile from the denied application to make you an offer? (you saved them a promotional inquiry? LOL)
All this stress over Best Lie. I never buy from Best Lie anymore because they have truly atrocious customer service. As a customer at Best Lie you have absolutely no rights. I bring my dollars to Circuit Shi*ty instead.
I appled at bestbuy.com, there is a checkbox to accept a household card if you are applying. Figured why not. Denied best buy, approved household. This isn't their subprime product, btw, theres no annual fee, and 6 months of 3.9% is reasonable. the go-to sucks, but i'll work that later.
Hey Sam.... how many zero's after that 25? I signed the part of the app for the credit card. I figured since it was on the same inquiry, why not. When I PFB, I'll make it to both Household and BestBuy. I think I'll head out to Circuit City. My only other choice is Staples, & their prices are way out of line. I've never heard of Vaio. Where did you get it?
The household card came like 3 weeks after i applied too, so you might call up household (prime) and ask about the application. vaio yummy i have a couple of those beautiful.
