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

[rck3]

So was that link (that is no longer valid) anything other than the regular bestbuy mastercard applicantion?

[SPalin]

Hi! I tried the link on the original post and it didn't work. I looked at an offer on the best buy website and it was for a card through Chase. I applied for an HSBC offer yesterday after it directed me to apply for a platinum card and got the 10-14 day thing as I didn't answer the unknown call since I didn't know it was them. (oops) Hopefully, they will call back. They don't have office hours on Saturday. Anyway, hello to all and if anyone else has the correct link I would appreciate it. BTW, should I wait to hear from the other one before I apply for this one?

If you were taken to a Chase website for the Best Buy card you are only applying for the store card, not the Visa.

[justagirl01]

Hi! I tried the link on the original post and it didn't work. I looked at an offer on the best buy website and it was for a card through Chase. I applied for an HSBC offer yesterday after it directed me to apply for a platinum card and got the 10-14 day thing as I didn't answer the unknown call since I didn't know it was them. (oops) Hopefully, they will call back. They don't have office hours on Saturday. Anyway, hello to all and if anyone else has the correct link I would appreciate it. BTW, should I wait to hear from the other one before I apply for this one?

[brokr741]

My ch7 was discharged 10/12/10 and I got approved today for $100. Not much but its something. Scores are 508,543,549

[Charlie777]

Thanks so much for the link. I've been denied twice by Orchard (discharged HSBC Best Buy in BK last year) but decided to take the plunge and am approved with a $500.00 limit, no annual fee.

[kclovis]

Thanks for the link!

[DEBTCHAINS]

I just got an HSBC card for $300, but figured I'd try this one as well. Got it instantly, $300. No annual fee, that's great! I'm using it for gas and paying it off right away, so the high APR is no big deal. (and it's not THAT high, not compared to the 59.9% I got an offer for!) Cool, two unsecured cards with small limits, time to start rebuilding my credit.

Thanks to the OP.

[LTN6571]

Well, I had seen this post when it first was created but had held off on trying it until there was more feedback.

I have a Cap1 card with 0 Annual Fee and a 19.99% rate I recieved shortly after BK. Started with a $500.00 limit and got one increase of $250.00. Asked for a increase in July, but was denied. Payments have been on time/early, but I really wasn't too stressed about the denial, figured it went with the territory.

Decided today to try the link, but was skeptical as I had included an HSBC Best Buy card in my BK.

Filled in all the fields and got an approval for $1,500.00, right away. Astounded would be a good description of my reaction when THAT popped up.

Best of luck to those that try for this.

And for those that have tried and got/used this card, do the Best Buy interest-free offers in the stores apply? (For example "No interest on purchases $249 and up if paid in full within 18 months") Taken from today's Sunday circular.

[ImmortalfWd]

I was discharged just a few weeks ago, had HSBC, including a Best Buy card in my BK, score in the mid 500's and was approved for $300.

I won't be using this unless there's an emergency.

[southernmom]

Did it

The husband and I have been trying to rebuild our credit. SO I applied and was approved. Ya its a small credit limit but its a start.

[mattberry]

Not overly bk friendly. I am 2 years post discharge, scores are 625-641, and they denied me. Could be blacklisted as HSBC was one of my creditors.

[blackcoffee]

Got Approved

Hi, I've been lurker on this forum. Just wanted to say thanks for the link and idea on this Best Buy card. I like shopping at Best Buy anyway and needed another tradeline.

In short, just got approved for a $500 limit. BK was filed 7/09; discharged 11/09. HSBC CC was included in the BK. Credit scores are between 612 and 670.

[startnover38]

Hey I got approved for 100 bucks at first they said they could'nt finalize my application cause I had also applied for an Orchard Card and got that unsecured. So I called and I asked was it a denial I'm just trying to rebuild my credit ....after I said that she told me hold came back asked me some security ?'s and said I was approved for 100 bucks and will get the card in 7-10 days.

[majicman50]

Thanks for the input. I'm on the fence right now. I won't try Cap 1 because I had one from them included in the BK. I was also turned down twice by Citi, even tho previous accounts with them were paid in full and on time before the BK!

[DaveM]

This is my first post here but have been lurking for a few months now.

Do you think this a good card for me or should I try something else? October will be 2 years since our discharge and I already have a Cap1 which is now up to 750 CL (got that card last fall around Oct-Nov 09). My credit score a couple of weeks ago was 647 (from Free Credit Report). Should i just go for this card even if i get the low 100.00 CL, will it still help build my credit? This will be only my second CC. I rent and still have my Tahoe financed through GMAC just FYI that we reaffirmed.

I did the soft hit and was pre approved for their Gold MC. Just not sure if i should pull the trigger and get it. Suggestions???

Thanks again for such an informative site. I have learned a ton about Post BK