With a 670 I'd just apply for the My BestBuy card? You should atleast get $1000

It's a credit card application.

There is an approval process and anyone is welcome to apply

You also could try zip or affirm

Walk into the store and apply for a Best Buy credit card and find out.

It depends on two things: Your relationship with management, and if you used your employee discount in your purchase.

If you didn't use your employee discount, you are fine. You are eligible for financing.

If you did use your employee discount, then it is up to your management as to whether or not they are going to take a small hit and extend the financing plan for you.

Usually employee discount kicks it to whatever standard financing is (6-18 months) for that timeframe. I have heard that you can sometimes get them to kick it out longer but that’s usually a gray area I try to avoid like the plague

I had a purchase extended to 24 months before by calling the bank. Just get approval from a manager

So, you can extend the financing options. If you are buying something and it prompts 12 months when it should prompt 18 or 24 etc you can extend it. There is a process though, you need GM approval to do that since the store eats the additional interest for the financing. If there are no issues with extending the financing for the employee (not sure if there is a gray area) then have another employee call into CITI bank and ask them for a terms plan change. DO NOT CALL YOURSELF. It’s at the managers discretion.

Yeah, this past holiday season no issue with discount and 24 months no interest. Back in ‘21 they did only give us 12 months. Glad they fixed it for us lol

I believe employee discount locks you to 12 months, no matter what the item is

Can you apply for the credit card online and immediately use it to finance a purchase without having the physical card yet?

if the item you’re buying qualifies then yes

I've noticed promotional financing during the holidays seem to still work in certain cases but not normally. 12 months is the standard.

are you talking about Progressive Leasing or the Best Buy Credit Card? that is a good place to start since they are vastly different

Assume it's the Citibank card there are no fees. If your purchase qualifies for differed interest $299 and up for 12 months, you make payments and if you pay it off before the 12th month no interest. If you miss the 12th month you pay all the differed interest and the future interest.

The other option is 5% back in rewards, but interest right away. I would only do this if you plan to pay it off in the first 30 days.

If it's below $299 you pay the interest fee right away.

Depending on the price of the laptop it could qualify for longer promo terms.

Not well

how does the financing work, you are opening a credit card with deffered interest option or taking the points and paying interest. either way make sure your credit score is up to snuff they will be making a credit hit.

the bestbuy card was my second credit card opened after 6 months I always asked for a higher limit they capped me at $10,200 limit lol. Decent card but nothing special about it

Best Buy employees are not financial advisors. You as a consumer and human being should educate yourself on such matters independently.

Former employee of Best Buy here. It's literally your responsibility to know this information. The e-learning explains your responsibility very well. Advisors are not financial advisors, but they have to disclose that it is a credit card and will run a hard check against the customers credit. It's the consumers' decision if that is what they want, but Best Buy employees must know their responsibility to disclose and not mislead people. It's a federal offense to mislead someone in the attempt to get them to apply for credit. If an employee doesn't know something they should go to a leader and have them help.

I mean, I just feel like this is something that should be inherently known by people about credit. If it shows a balance, especially large ones for a long amount of time, it counts toward your total credit utilization.

Are you about to make a major purchase like a house or car? It’s not like your credit score won’t go up once you pay off your phone.

Majority of our sales advisors present day are all younger and inexperienced with anything credit related. I would never ask anyone under the age of 30 anything specific that is related to my credit score.

Right I mean signing up for the credit card it’s probably in the terms somewhere (or like others say common knowledge) that any balance including the promotional financing option will impact your credit in some way. It’s just a little scary seeing your score drop significantly when you weren’t exactly expecting it / trying to fix it.

I got one a week or so ago. I wasn't sure how much of a limit I'd get so I wanted to check. To my surprise, you aren't told your limit until you already accepted the terms and activated the card (or at least it wasn't obvious until after the app was accepted), so even though I was just checking my limit/approval and not expecting to formally open an account, I ended up with a card. Thankfully, I used it to buy a 5080 lol. 12 months no interest sounds good to me.

If you're planning on buying something and then trying to return it within those 12 months or whatever, that's not gonna fly with BB lol.

“can I buy things use them and return before my finance ends and dont have to pay again?” Nope that’s not how financing works.

just get a regular credit card with rewards that apply to every purchase. Dont fall for the store card like i did. Although nothing bad had come of having it the card is the very least used one i have.

If you don’t know how credit cards work, you probably shouldn’t have one.

I’ve always enjoyed using the Best Buy card for that 0% interest financing. Assuming we mean the Best Buy Citibank CC, I always use the 0% interest option to make my purchase and then I just do the math for what the monthly payment would be (ie: $3000/24mo = $125/mo) and then lock in my autopay and forget about it. That said, I use the card strategically and ONLY for purchases at Best Buy. It’s also not a bad credit building method.

Deals are to be had on their open-box appliances. You can negotiate the asking price, especially if you open a credit card. YMMV

I had a good experience. Bought on Black Friday, they held in warehouse until my house was completed in March. Geek squad did a decent job hooking washer/dryer and fridge

I have purchased their scratch and dent. But no delivery or installation or haul away there. That freezer has been working fine for 8 years. Dishwasher and dryer have had no issues either.

I worked there and moved to an independent mostly because of installer issues. I'm sure it's a regional issue but the smchicago market sucks for installers.

I recently bought all new appliances. Best Buy had the best price with free install. I asked my locally owned independent business, with their own service techs and installers if they would meet that pricing . They did. My store also offered financing. May be worth a shot checking locally.

It’s worth applying for a Best Buy credit card if you have fair credit or better (640+ credit score) and you either shop at Best Buy on a regular basis or you’re planning to make a big purchase there soon. It has great rewards, especially on your first day of purchases. You could also get the card for credit-building purposes even if you don’t plan to use it often. It doesn’t charge an annual fee, but it does report account activity to the major credit bureaus. 

Some people get a Best Buy credit card for its special financing offer too. This could save you money on a big-ticket electronics purchase that you can’t pay off right away. But you need to be very careful. The special financing offer has a deferred interest clause, which means you could have to pay hefty finance charges if you don’t pay off your balance on time.

You get the PC immediately after you get approves (shipping if not in stock anywhere nearby). It’s better to come to the store when you apply for Best Buy financing. The pattern looks like you get a bigger balance in-person vs. online and the associate gets the credit for helping you. Everyone wins.

You get whatever you’re buying immediately, whether you’re using a credit card or a lease

What you may be confusing payment plans with is layaway….generally with layaway you get the product once payments are complete…but Best Buy doesn’t do that so it’s irrelevant to what you need

If your understanding of payment plans is this poor, you shouldn't be applying for payment plans

Its financing through a credit card just like financing a home/car but this is without interest. So you get the item the same day you start financing