"IDK WHY????"
My Best Buy® Credit Card Review
Written by: cireone on 2008-08-19
Overall Satisfaction
Customer Service
Rewards
Account Management
Delivery Time
cireone's review: 
SO I already have a RewardZone MasterCard and thought with the lousy CL I should try and get the store card. I read reviews that the CLs are better, No AF, and better in-store approval. SO I went to buy a cd and applied while I was there. It seemed going good because the worker was writing things on the app from the computer. Then he said that it cant approve at the moment and a letter will arrive in the mail. Ive given up on HSBC. They don't like to give CLIs and then give weird approvals (case in point: approve for the MasterCard, denied the store card).
SO I already have a RewardZone MasterCard and thought with the lousy CL I should try and get the store card. I read reviews that the CLs are better, No AF, and better in-store approval. SO I went to buy a cd and applied while I was there. It seemed going good because the worker was writing things on the app from the computer. Then he said that it cant approve at the moment and a letter will arrive in the mail. Ive given up on HSBC. They don't like to give CLIs and then give weird approvals (case in point: approve for the MasterCard, denied the store card).
4 Comments
Comment 1 by hjm331
Wait It Out 
on 2008-08-20
Wait for the letter to come-in and see what the reason for the denial is. Post it in the network and we will try to help you out.
on 2008-08-20 Wait for the letter to come-in and see what the reason for the denial is. Post it in the network and we will try to help you out.
Comment 2 by shark6
2 Diff Underwriters on 2008-08-20
BB MC and BB store card are underwritten by 2 different entities.
My DH got BB Store card for $3k underwritten by Beneficial National and my DD got approved for BB MC by HSBC $750-
The MC seem to give ridiculous low limits even if you have a very good Fico score.
I would call and see what the reason for denial was. What is your Fico score?
on 2008-08-20 BB MC and BB store card are underwritten by 2 different entities.My DH got BB Store card for $3k underwritten by Beneficial National and my DD got approved for BB MC by HSBC $750-
The MC seem to give ridiculous low limits even if you have a very good Fico score.
I would call and see what the reason for denial was. What is your Fico score?
Comment 3 by rockin35
Stick With What You Have.... on 2008-08-20
I agree, just stick with what you have at the moment.
I am waiting to cancel my BB MasterCard as soon as I pay off the balance next month. Had the card 2 years, only has $500 limit.
Rockin35
on 2008-08-20 I agree, just stick with what you have at the moment.I am waiting to cancel my BB MasterCard as soon as I pay off the balance next month. Had the card 2 years, only has $500 limit.
Rockin35
Comment 4 by colonative
Beneficial on 2008-08-20
Is an HSBC company. I am not sure why Beneficial would be backing your DH's Best Buy store card, from what I understood is that it is simply HSBC that issues these, Beneficial deals mostly with mortgages and personal loans.
on 2008-08-20 Is an HSBC company. I am not sure why Beneficial would be backing your DH's Best Buy store card, from what I understood is that it is simply HSBC that issues these, Beneficial deals mostly with mortgages and personal loans.
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Disclaimer: This content is not provided by Citibank. Any opinions, analyses, reviews or recommendations expressed in this article are those of the author's alone, and have not been reviewed, approved or otherwise endorsed by Citibank. Review content is powered by Finance Globe.
