You can fill out a Best Buy credit card application online or in store. 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. 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. Just make sure there are no other credit cards linked to your Best Buy account. If there are, you’ll be asked to enter a 3-digit security code during checkout, which you won’t have until you get the physical copy of the card.
To apply online, you must first create a BestBuy.com account. You’ll then get redirected to Citibank’s website (Citi issues the Best Buy credit card), where you can fill out a secure online application form. If your application is approved, Citibank will then determine which card you qualify for (the Best Buy store card or the Best Buy Visa) depending on your creditworthiness. The store card version is for applicants with credit scores of at least 640, while the Best Buy Visa requires a minimum score of 700. There is just one application for both cards.
To fill out a Best Buy credit card application in store, head to your nearest Best Buy location. Any cashier or customer service rep will be able to provide you with the application, and you should be able to complete it within a few minutes. Just like applying online, Citibank will decide if you qualify for the Best Buy store card or the Best Buy Visa card. Whether you apply in store or online, you can expect the card to arrive in the mail within 7-14 days if approved.
Regardless of where you fill it out, the application form is the same. Like most credit card applications, it asks the usual personal and financial questions, such as your income and how much debt you’re carrying.
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