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How To Qualify For Best Buy Credit Card? (Question)

Here are the Best Buy credit card approval requirements:

  1. Credit score: fair for the store card, good for the Visa.
  2. Age: 18+ years old (21 in Puerto Rico).
  3. Mailing address. Must be located in the U.S.
  4. Social Security Number. You need an SSN to apply and can’t substitute an ITIN.
  5. Income.

What credit score do you need to get a Best Buy credit card?

  • The Best Buy credit card credit score requirement is fair credit for the store card and good credit for the Visa. That means a 640+ credit score probably gets you a Best Buy credit card, but you’ll likely need a 700+ score to be awarded the version that lets you earn Best Buy rewards everywhere you shop.

What credit score do you need for Best Buy card?

You need a 640+ credit score to get approved for the Best Buy® Store Card. That means Best Buy® Store Card requires fair credit or better for approval. There are other things besides your credit score that are taken into account for Best Buy® Store Card approval.

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Is it hard to get a Best Buy credit card 2020?

In general, you’ll need a good credit score to be approved for the top Visa card (generally 700-749). Otherwise, you’ll likely need a fair credit score (generally 660-699) to qualify for the standard Best Buy version. Upon application review, some people will be approved instantly.

Can I get a Best Buy credit card with bad credit?

You probably cannot get a Best Buy ® Credit Card with bad credit (a score of below 640). You definitely cannot get a Best Buy® Credit Card, as that requires good credit (700+). And you’ll also have a hard time getting approved for the Best Buy® Store Card, which requires fair credit (640+).

Is Best Buy credit card instant approval?

You can fill out your Best Buy® Credit Card application online or in store. The same goes for the Best Buy® Store Card. The application is the same either way, and both methods offer the chance for instant approval. It can take up to 14 business days to get a decision in some cases.

Is Best Buy a hard inquiry?

Yes, the Best Buy Credit Card will do a hard pull. You will need a credit score of at least 640 to get it, which is on par with what most store cards require. A hard pull usually causes an applicant’s credit score to drop by 5-10 points.

Who does Best Buy pull credit from?

Citi uses all three major credit bureaus to evaluate Best Buy Store Card applications. That doesn’t mean it will pull all three of your credit reports, though. Citi will mostly use your Experian report, with Equifax also being quite likely. In rare cases they will pull your TransUnion report instead.

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What is the highest credit limit for Best Buy?

The Best Buy® Store Card requires fair credit, and the Best Buy® Credit Card requires good credit. There are reports online of people receiving limits of $7,500 and $2,500 for the Best Buy® Store Card and $2,000 for the Best Buy® Store Card. You shouldn’t expect to get a higher limit with the store card, though.

Can I use Best Buy credit card anywhere?

The Best Buy credit card is a form of in-store credit and so can only be used in Best Buy stores and when making purchases online through the Best Buy website. However, Best Buy also offers the Best Buy Mastercard or Visa credit card that can be used anywhere MasterCard-branded cards are accepted.

What credit score do you need for an Amazon credit card?

You must have a good credit score— at least 670 —to be considered for either of the co-branded Amazon Signature Visa cards. Amazon also offers two store cards, but these cards are not credit cards. The cards are used for purchases on Amazon.com but eligible for use in Whole Foods markets.

What is a fair credit score?

FICO® considers a fair credit score to be between 580 and 669. VantageScore® says fair scores fall between 601 and 660.

Do lenders use credit karma scores?

On Credit Karma you’ll see scores and reports from TransUnion and Equifax, both using the VantageScore 3.0 scoring model. VantageScore was created in collaboration with all three credit bureaus, and VantageScore 3.0 is relied on by lenders across a variety of industries.

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What score does Apple card use?

Apple Card uses FICO Score 9. FICO Score 9 ranges from 300 to 850, with scores above 660 considered favorable for credit approval.

Can I change my Best Buy credit card to a Visa?

You cannot upgrade your Best Buy Credit Card to the Visa version. If you want the Best Buy Visa card, you’ll have to submit another application. Keep in mind that this could result in a hard pull on your credit, which may lower your score for a short period of time. So make sure you qualify for it.

What is the minimum credit score for a Target card?

You’ll need to have at least fair or average credit — a credit score over 580 — to qualify for the Target RedCard™. Since it’s a closed-loop store card (only good at Target), it may be easier to qualify for than a typical credit card.

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