Do you need credit history to get a Best Buy credit card?

Do you need credit history to get a Best Buy credit card?

Reply 7. 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.

Can I get a credit card with no history?

If you don’t have a credit history, your card may come with higher interest rates, for instance. So you may get approved for a card but have to pay more over time for the credit you use. You might also have a lower credit limit, restricting the amount you can spend each month.

How can I get a credit card with no credit and no job history?

7 tips for getting a credit card without a job

1. Count all of your income.
2. Include your spouse’s income.
3. Go with a cosigner.
4. Become an authorized user.
5. Consider a secured credit card.
6. Get a debit card that comes with credit card perks.
7. Try credit card alternatives.

Does Best Buy have pre approval?

There’s no Best Buy credit card pre-approval check, but plenty of major credit card companies offer the service. They include Capital One, which has cards for people of all credit levels, and Citi – the Best Buy cards’ issuer. If it’s a fair-credit card, the Best Buy Store Card is more likely.

Does Best Buy approve right away?

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.

Is Capital 1 a good credit card?

Capital One credit cards are available to people of all credit levels, from bad to excellent, and most offer low fees, high rewards rates or both. The best Capital One cards also rank among the best offers in the industry, having received numerous WalletHub Awards over the years.

Can you get a credit card under 18?

Kids can’t open their own credit card account until they turn 18, and will need to prove independent income until they’re 21. But even before then, minors can benefit from becoming authorized users on a family member’s credit account.

Can you get a credit card at 18 without job?

You can get a credit card without a job. Most credit card applications have a section for employment information, but you can also put student, homemaker or unemployed. If you’re under 21 years old, you’ll need your own income source to qualify for a credit card.

How do you get approved for Best Buy?

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.

Does Best Buy financing affect credit score?

You can apply for the Best Buy credit card without worrying that you will ruin your credit. This means that you will have a hit on your credit report, which will cause your score to lower. Another way that this card can affect your credit score is if you do not pay your bill in full each month.

How fast do you get approved for a Best Buy credit card?

7-14 days
It can take up to 14 business days to get a decision in some cases. New applicants will get a card in the mail within 7-14 days of being approved for an account. Whether you apply in store or online, you can use the card as soon as you’re approved.

Should you get a store card if you have bad credit?

Although store cards aren’t perfect — most store cards are closed-loop, and many have super high APRs — they typically don’t charge annual fees and they can sometimes be easier to get than other no-fee cards when you have bad credit. Even store cards aren’t guaranteed to accept everyone, however, so apply with caution.

What’s the best store credit card for no credit?

The best store credit card for no credit is the Fingerhut Credit Account because it has easy approval and a $0 annual fee. There are no one-time fees or monthly fees, either. But even though the Fingerhut Credit Account is an inexpensive store credit card for people with no credit or bad credit, there are limitations.

How many points do you get for standard credit at Best Buy?

*Get 2.5 points per $1 spent (5\% back in rewards) on qualifying Best Buy® purchases when you choose Standard Credit with your Best Buy Credit Card.

How can I get a credit card with no credit history?

Getting a credit card with no credit history isn’t an easy task. You’ll most likely have to settle with a small limit and high interests. But, you have to start somewhere and build that credit history. If you don’t want to get a credit card (or you can’t get one), getting a store credit card is a good way to go.