Love my card!
To everyone who is complaining and saying, " I missed ONE payment and now I owe a million dollars," you knew this before going into the plan. Deffered interest is just that, as long as you make your minimum payment every month AND pay off your entire balance before the deferred interest period is up, you won't pay a single cent. I have had their in-store card for years and never had a single issue, this new visa was just issued and works the same way plus being able to use it elsewhere. I do agree that the rewards are not great outside of the store, but then again I only use it at the store to make large purchases.
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Best and worst Iv ever had
You get the opportunity to pick if you want a year worth of no interest rate payments and or cash back rewards , which is great and all but it was my first ever card no one told me how it works including the very young man that sold me it... I picked the 12 months it seemed the better option. Whoever doesn't matter how much you pay extra on it you must pay 22-26 bucks a month , you will get late fees of 30 or so and I unfortunately found out that the interest rates are insanely high and I now have good standing credit and it is still very high
WORST CREDIT CARD EVER!!!!
I've been a BestBuy Elite member for many years. Since BestBuy is using Citibank as their provider, they do not serve you if there is an issue. They refer you to Citibank which is the worst. For a very simple issue, I've called BestBuy-Credit (Citibank) and after talking to several representatives and supervisors, still my issue is not resolved. Every time they apologize and promise me the issue is resolved. However, after a few days I check my account and see nothing is changed. I believe I've called them +10 times and now I AM TIRED OF CALLING THEM AND WASTING MY VALUABLE TIME! Tomorrow I have to call them again despite hating them. I wish I just could quit but unfortunately I still have some promotional balances with them. I am doing my best to use PayPal Credit and Amazon Credit instead. I recommend you to avoid using BestBuy credit as much as possible until they return to their previous system.
Good, but pay attention to terms
They tell you what you’re getting yourself into beforehand. Please read the disclosures and agreements before having any complaints. That being said, it has been great for me thus far. I was approved for $4000 credit limit and CK had my approval odds at fair with a 629/661 split. Just pay it on time and if you take advantage of the no interest financing on big purchases pay it off before the term is up.
designed for high end purchases o%
use it it for its intened purpose high end electronics and applainces
0 % for up to 24 months simple. do not make little purchases with it had card for 10 years never paid a cent in intrest. plus BB price matches as well.
It does not effect promo rate. by far best card for electronics.
This card is able to be use in any store
People should know that this card is available to be use in other store.
Helped my C.S., but that's all it did
I was approved with a small credit limit. I expected that. After nearly 5 years with the card and no late payments, they still won't give me a C.L.I., not even a modest increase. Too late to close now, but wish I didn't apply.
Close my account without notice!
I always pay all of my accounts on time. I've never missed a payment for this card, not once. They closed my active and frequently used account while it was carrying a balance without any notice whatsoever. I got a letter in the mail after the fact, stating it was closed because I was "re-evaluated" and they claimed that my credit score was about 60 point lower than it has ever been in my life time as a reason why. The told me I'd have to pay off this card and re-ably if I wanted to open my account again. I missed one payment about 3 months later and they hounded me relentlously. Dozens of calls without voicemails and they put my account on some sort of collection list - for being about a week late. My grandmother had just died! Seriously harboring some recentful feelings for this company and their underhanded B.S. I won't ever use Citi credit in the future and if you are wise you'll avoid them too. They have the WORST customer service imaginable!
Close my account without notice!
I always pay all of my accounts on time. I've never missed a payment for this card, not once. They closed my active and frequently used account while it was carrying a balance without any notice whatsoever. I got a letter in the mail after the fact, stating it was closed because I was "re-evaluated" and they claimed that my credit score was about 60 point lower than it has ever been in my life time as a reason why. The told me I'd have to pay off this card and re-ably if I wanted to open my account again. I missed one payment about 3 months later and they hounded me relentlously. Dozens of calls without voicemails and they put my account on some sort of collection list - for being about a week late. My grandmother had just died! Seriously harboring some recentful feelings for this company and their underhanded B.S. I won't ever use Citi credit in the future and if you are wise you'll avoid them too. They have the WORST customer service imaginable!
WORST CARD
Only good option is the special financing. But they do hard pulls to increas credit limit and will not increase limit above 1500.
As a Best Buy employee it sucks
DO NOT USE ONLINE PAYMENTS
The customer service is utterly useless if there system screws up and will continually tell you to just talk to your bank. I work at Best Buy and they won't even help me, god help anyone else who needs help with it. Another note is that the minimum payment never will equal the total amount in the "interest free" period so ma,e sure you keep an eye out on your account.
tl;dr Don't get it unless you plan on paying it off very soon when ever you use it, and always pay in store
Online payments work perfectly fine for me, just takes a few days to go thru.