Anyone have a Best Buy card?

amdforever2

Golden Member
Sep 19, 2002
1,879
0
0
If so, any of you know what your score was when you applied?

I wanna know if my chances are good.
 

Mr N8

Diamond Member
Dec 3, 2001
8,793
0
76
Yeah, I had a relatively low score (590) when I applied, and was approved for $1500.
 

Viper GTS

Lifer
Oct 13, 1999
38,106
433
136
Originally posted by: RossMAN
634 approved for $2,000

Damn, why did I get the piddly $800 BB card? At the time I had a CC with a ~$6,000 limit and a credit score above 634, & they gave me a useless $800 limit.

rolleye.gif


Viper GTS
 

RossMAN

Grand Nagus
Feb 24, 2000
78,794
266
116
Originally posted by: Viper GTS
Originally posted by: RossMAN
634 approved for $2,000

Damn, why did I get the piddly $800 BB card? At the time I had a CC with a ~$6,000 limit and a credit score above 634, & they gave me a useless $800 limit.

rolleye.gif


Viper GTS

Credit score isn't everything.

People keep assuming if you have a great credit score, that's all you need, wrong.
 

dabuddha

Lifer
Apr 10, 2000
19,579
17
81
Originally posted by: RossMAN
Originally posted by: Viper GTS
Originally posted by: RossMAN
634 approved for $2,000

Damn, why did I get the piddly $800 BB card? At the time I had a CC with a ~$6,000 limit and a credit score above 634, & they gave me a useless $800 limit.

rolleye.gif


Viper GTS

Credit score isn't everything.

People keep assuming if you have a great credit score, that's all you need, wrong.

What are the different factors that they look at?
 

Grey

Platinum Member
Oct 14, 1999
2,737
2
81
I had a 710 score at the time of applying and only got 800 limit. My salary sucked at the time, I think that had some factoring in.
 

pulse8

Lifer
May 3, 2000
20,860
1
81
Originally posted by: dabuddha
Originally posted by: RossMAN
Originally posted by: Viper GTS
Originally posted by: RossMAN
634 approved for $2,000

Damn, why did I get the piddly $800 BB card? At the time I had a CC with a ~$6,000 limit and a credit score above 634, & they gave me a useless $800 limit.

rolleye.gif


Viper GTS

Credit score isn't everything.

People keep assuming if you have a great credit score, that's all you need, wrong.

What are the different factors that they look at?

How much credit you have for one.
 

Nocturnal

Lifer
Jan 8, 2002
18,927
0
76
If you have even slight credit with good payment history and a steady job you'll be more than likely approved.

I was approved for a 10k loan but when I applied for a credit card (non-secured) I was denied lol.
 

Nocturnal

Lifer
Jan 8, 2002
18,927
0
76
Originally posted by: dabuddha
Originally posted by: RossMAN
Originally posted by: Viper GTS
Originally posted by: RossMAN
634 approved for $2,000

Damn, why did I get the piddly $800 BB card? At the time I had a CC with a ~$6,000 limit and a credit score above 634, & they gave me a useless $800 limit.

rolleye.gif


Viper GTS

Credit score isn't everything.

People keep assuming if you have a great credit score, that's all you need, wrong.

What are the different factors that they look at?

Your available credit to debt ratio, your credit score, your payment history (check to see if you have any missed payments, 30 days, 60 days, 90 days, etc), any delinqencies (SP) on your account, any write offs. It's pretty much as their discretion. They also check how long your credit history is, and your income.
 

RossMAN

Grand Nagus
Feb 24, 2000
78,794
266
116
Originally posted by: dabuddha
Originally posted by: RossMAN
Originally posted by: Viper GTS
Originally posted by: RossMAN
634 approved for $2,000

Damn, why did I get the piddly $800 BB card? At the time I had a CC with a ~$6,000 limit and a credit score above 634, & they gave me a useless $800 limit.

rolleye.gif


Viper GTS

Credit score isn't everything.

People keep assuming if you have a great credit score, that's all you need, wrong.

What are the different factors that they look at?

Toe size for one.

I am rather well endowed in that department.
 

dabuddha

Lifer
Apr 10, 2000
19,579
17
81
Originally posted by: RossMAN
Originally posted by: dabuddha
Originally posted by: RossMAN
Originally posted by: Viper GTS
Originally posted by: RossMAN
634 approved for $2,000

Damn, why did I get the piddly $800 BB card? At the time I had a CC with a ~$6,000 limit and a credit score above 634, & they gave me a useless $800 limit.

rolleye.gif


Viper GTS

Credit score isn't everything.

People keep assuming if you have a great credit score, that's all you need, wrong.

What are the different factors that they look at?

Toe size for one.

I am rather well endowed in that department.

Crap I don't think my toe can even measure up to yours.
 

dabuddha

Lifer
Apr 10, 2000
19,579
17
81
Originally posted by: Nocturnal
Originally posted by: dabuddha
Originally posted by: RossMAN
Originally posted by: Viper GTS
Originally posted by: RossMAN
634 approved for $2,000

Damn, why did I get the piddly $800 BB card? At the time I had a CC with a ~$6,000 limit and a credit score above 634, & they gave me a useless $800 limit.

rolleye.gif


Viper GTS

Credit score isn't everything.

People keep assuming if you have a great credit score, that's all you need, wrong.

What are the different factors that they look at?

Your available credit to debt ratio, your credit score, your payment history (check to see if you have any missed payments, 30 days, 60 days, 90 days, etc), any delinqencies (SP) on your account, any write offs. It's pretty much as their discretion. They also check how long your credit history is, and your income.

How do they check my income (Unless it's specified in the application) In my credit report, they didn't even have my current job in there and I've been working here for the last 3 years! I got it fixed with Equifax but I wasn't sure if I need to check my credit report with Transunion and experian.
 

amdforever2

Golden Member
Sep 19, 2002
1,879
0
0
This is all..........very interesting.

I didn't think instant credit systems were "smart" enough to do anything but check credit score.

Hmmm..........14 month employment.......no lates.......around 50% total credit utilization........8 month credit history.......$20K salary (although If I lie, will they know?).................anyone able to provide further estimates of my success?

 

RossMAN

Grand Nagus
Feb 24, 2000
78,794
266
116
Originally posted by: dabuddha
Originally posted by: RossMAN
Originally posted by: dabuddha
Originally posted by: RossMAN
Originally posted by: Viper GTS
Originally posted by: RossMAN
634 approved for $2,000

Damn, why did I get the piddly $800 BB card? At the time I had a CC with a ~$6,000 limit and a credit score above 634, & they gave me a useless $800 limit.

rolleye.gif


Viper GTS

Credit score isn't everything.

People keep assuming if you have a great credit score, that's all you need, wrong.

What are the different factors that they look at?

Toe size for one.

I am rather well endowed in that department.

Crap I don't think my toe can even measure up to yours.

Well then I'm sorry you're not BB CC worthy :(
 

Pacfanweb

Lifer
Jan 2, 2000
13,149
57
91
Originally posted by: Viper GTS
Originally posted by: RossMAN
634 approved for $2,000

Damn, why did I get the piddly $800 BB card? At the time I had a CC with a ~$6,000 limit and a credit score above 634, & they gave me a useless $800 limit.

rolleye.gif


Viper GTS
Your salary, and how close you were to that 6,000 limit on the other CC were probably factors.