Trying to get approved for a CC.
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umm well good luck with best buy, i dont own a home but have had a few loans, and credit cards and i have a flawless payment record, i just took a $7000 pesonal loan out i was approved over the phone, and i have another $5000 loan that i was approved over a fax, i dont remmeber my credit score at the moment but it was rather high for my age and sittuation
i applied at best buy about a year ago before these other loans and i got approved for $500!! woohoo so a instantly cancled it, but be careful becuase in the realy small print i got signed up for another card that had a yearly charge of $30 but was never sent a bill for and only found out about it when i got a phone call from the company asking why im not paying my bill, but long story short after about 2 months of fighting with them they pulled the charge but the damage to my credit rating was already done and i basicaly took it in the ass
so basicaly what im trying to say is start small w/ student type of card and make to sure to pay it every month and be patient and keep a balance on it and eventualy u will get better offers just make sure u read the offers closley becuase c.c. company are here to make profit so they love to make little loop holes to fuck u
my best card i have at the moment has a $8000 limit and %10.99 interest with out a yearly fee not the greatest but the best i have had so far
u should expect to have a interest rate in the high %20's to start but it will get better, after about a year of having the card or maybe less call them and ask for a lower percentage and threaten to cancle the card and if it dont work ask for a manager and ask the same it usualy works but depends on the account
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MisterCMK wrote:
I got approved at Best Buy 2 days after my 18th for $1400. All I had was a checking account with little money in it, a savings account that was emtpy and a loan for the Mustang that I co-signed on with my parents.
I was paying on the loan for my Si, but since there was too much paperwork, my parents didn't put me on it as a cosigner... so now I made them feel bad cuz i didn't get approved for that card and they cosigned for a student card. -
best buy (HSBC) will approve you for whatever the hell you want to buy there to the nearest 100 dollars.... i got two of them in about four days.
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