trich701 Posted April 17, 2008 Report Share Posted April 17, 2008 Offered me a card with a $300 limit,and $79 annual fee. I will be sure to cancel as soon as it arrives. If I do not activate or use will it show up on my credit report? I took the offer without knowing the limit but I checked it today.I also got approved for a Stein Mart Plat M/c with no AF and an initial CL of $900. I think I will take that one instead.tBest Buy $300Chevron $300Dell $1,500Dillard’s $150 First Premier $ 350Hooters $500Jareds $3,000 JBR $3,000Juniper $250Kay $3,000Kohls $300Macy's $600Orchard $400Paypal Buyer Credit $300Stein Mart Plat M/C $900Target $500Zales $500 Link to comment Share on other sites More sharing options...
CleverCynic Posted April 17, 2008 Report Share Posted April 17, 2008 Offered me a card with a $300 limit,and $79 annual fee. I will be sure to cancel as soon as it arrives. If I do not activate or use will it show up on my credit report? I took the offer without knowing the limit but I checked it today.I also got approved for a Stein Mart Plat M/c with no AF and an initial CL of $900. I think I will take that one instead.tI was where you are now with the Best Buy card.... note the *sigh* in my sig after that card. Fully intended to cancel, but the card was beautiful and an approval is an approval... I did manage to get the AF knocked down to half pretty easily by a supervisor. Link to comment Share on other sites More sharing options...
Fizzle1979 Posted April 17, 2008 Report Share Posted April 17, 2008 I would do as CC suggested and try to get that AF waived or lowered. You already got the INQ on your credit report and if you can get the AF lowered to XX amount, then you would basically be paying XX amount to have a tradeline on your CR for the next 12 months. Link to comment Share on other sites More sharing options...
thegame26 Posted April 17, 2008 Report Share Posted April 17, 2008 Yeah. Same here.Call and threaten to close the account. That's what I did and they cut the annual fee in half and upped the CL by $150. I suppose I could've even pushed for more, but that was enough for me. Link to comment Share on other sites More sharing options...
trich701 Posted April 17, 2008 Author Report Share Posted April 17, 2008 Thanks Fizz ,CC and game good advice. I will try to negotiate once it arrives!!! After years of being told no, or being afraid to apply its hard to turn down the offers. But I must say, I have been doing great about keeping the balances 0 or extremely low.Kay 3KJBR 3KJareds 3K Dell 15KMacy's 600Chevron 300Zales 500Dillards 150 Hooters 500Kohls 300Orchard 400First Premier 350Juniper 250Paypal Buyer Credit 300Target 500BB 300Scores with several new accounts TransUnion619Date: 4/15/2008 Equifax638Date: 4/15/2008 Experian642Date: 4/15/2008 Link to comment Share on other sites More sharing options...
Moneedshelp Posted April 17, 2008 Report Share Posted April 17, 2008 i have the bb card and have not had any problems. They may be willing to work with you. Give it a try. You won't know until you ask Link to comment Share on other sites More sharing options...
McG Posted April 17, 2008 Report Share Posted April 17, 2008 Offered me a card with a $300 limit,and $79 annual fee.That is one of the crappiest "legitimate" card offers I have heard in a long time. A $79 annual fee is such BS for a stupid Best Buy card - it sure makes me glad I never applied for one... Link to comment Share on other sites More sharing options...
trich701 Posted April 18, 2008 Author Report Share Posted April 18, 2008 I forgot to note that I was turned down for the BB store card, and was given the BB mastercard with the $300 limit and the $79 fee. I will still try to get a lower AF per everyone's advice. And does anyone know if they are good about credit increases? Link to comment Share on other sites More sharing options...
virginiabound Posted April 18, 2008 Report Share Posted April 18, 2008 My DH had the same thing happen. I'm actually going to get him to call to see if they can lower the AF.Hey got the $300 limit at Christmas 2007, and he used it for a couple of things. By February 2008 he had a $200 CLI. So it's at $500 now.YMMV Link to comment Share on other sites More sharing options...
Moneedshelp Posted April 18, 2008 Report Share Posted April 18, 2008 I think I got my card in oct or nov had not received an increase yet. Link to comment Share on other sites More sharing options...
trich701 Posted April 23, 2008 Author Report Share Posted April 23, 2008 I got the card tonight and called customer service. To make a long story short, I got 150 CLI and a reduction in the AF with a promise to review the account for further CLI periodically. Link to comment Share on other sites More sharing options...
CleverCynic Posted April 23, 2008 Report Share Posted April 23, 2008 NICE! Man they wouldn't budge on the CL with me... Link to comment Share on other sites More sharing options...
Fizzle1979 Posted April 23, 2008 Report Share Posted April 23, 2008 NICE! I've had my BB RZ MC since 10/07 and no increase. Link to comment Share on other sites More sharing options...
lovebug5 Posted April 23, 2008 Report Share Posted April 23, 2008 Fabulous job on the CLI and AF reduction!! Link to comment Share on other sites More sharing options...
BTO429 Posted April 24, 2008 Report Share Posted April 24, 2008 I don't think I can get a card from them right now my score took a bid hit with all the credit repair I have been doing its down to 510 on EX but I did get a lot of junk off my CR so hope fully my score will improve soon. Any one know what score ya need for a card from them. I buy a lot a gaming stuff for my kids from best buy, they're close buy. Link to comment Share on other sites More sharing options...
Fizzle1979 Posted April 24, 2008 Report Share Posted April 24, 2008 I would expect at 680+ before even thinking about applying with them. Link to comment Share on other sites More sharing options...
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