Bk friendly Best Buy (HSBC) MasterCard Soft Hit Pre-approval

[Logan]

Just got approved for $500 with $0 fee, but 22.9%.

Anybody received the card yet? How long does it take? I'll never use it, but I just won't feel like this is legit until i get the card.

You may want to use it every couple of months otherwise you risk the chance they will close the account.

Logan

[BGentle106]

got mine in a week 5 business days after approval.

[Chuck]

Just got approved for $500 with $0 fee, but 22.9%.

Anybody received the card yet? How long does it take? I'll never use it, but I just won't feel like this is legit until i get the card.

[Carloscda]

Was only approved for $100 but like others have said have to start somewhere.

[teacher]

Just applied and was approved for $500. I currently have an account with Orchard Bank ($300) and Hooters ($300). 3 is the magic number, I'm done for a long time. I'll be happy to close the first (hooters or orchard) that charges a renewal annual fee.

[Amy26]

My scores are in my sig.

[Carloscda]

If you don't mind me asking what were the credit scores of those who received the $300 & $500 limits?

[FS09]

SWEET...I applied on Monday and got approved this morning for $300! I am pumped. Don't plan to use it much, but it will come in handy when I need to rent a car for business travel.

[BGentle106]

They have two different cards one is a store card only usable at Best Buy the other is a MasterCard and could be used anywhere MasterCard is welcomed.

i believe the in store card is also ran by HSBC

[SPalin]

They have two different cards one is a store card only usable at Best Buy the other is a MasterCard and could be used anywhere MasterCard is welcomed.

[FS09]

Sorry if this is a dumb question, but can this card only be used at Best Buy? Even though I use a debit card, many car rental places want a credit card at least on file.

[SPalin]

It all depends on what HSBC gives you... some have $0AF, others have $39 like myself. or $59, just like some have 18% (like me) or lower interest (not me) and others have over 22% interest. Just depend on the person reviewing your application and whatever HSBC uses for each of those perimeters.

[Amy26]

My best buy card has an annual fee as well. My limit is 500 as well. I think mine was more than 39 dollars though.

[BGentle106]

Congrats on the new card! I got one just after my discharge BestBuy Rewards 500 limit, 39 AF, also a credit1 with 3300 limit and 75AF! So far except for the high AF for the Credit1, I like that card better as it is reporting to all three bureaus and started the next day after I activated the card, were as HSBS/BestBuy still doesn't show on any of my reports almost two months later. Also, use your Banks online bill pay as your payment will be posted to your HSBC/BestBuy account and your CL will also reflect the payment, unlike using BestBuy online payment it will post your payment but put a 10 day hold on your CL before your CL shows your payment! Credit1 has no holds even with their online payment Oh, well it's a start!

how are you paying an annual fee of 39 dollars for bestbuy rewards my card said no annual fee?

[SPalin]

Congrats on the new card! I got one just after my discharge BestBuy Rewards 500 limit, 39 AF, also a credit1 with 3300 limit and 75AF! So far except for the high AF for the Credit1, I like that card better as it is reporting to all three bureaus and started the next day after I activated the card, were as HSBS/BestBuy still doesn't show on any of my reports almost two months later. Also, use your Banks online bill pay as your payment will be posted to your HSBC/BestBuy account and your CL will also reflect the payment, unlike using BestBuy online payment it will post your payment but put a 10 day hold on your CL before your CL shows your payment! Credit1 has no holds even with their online payment Oh, well it's a start!