Bogdan Roberts, Credit Cards Moderator
@bogdan_roberts
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.
Here's what you need for the Best Buy Store Card:
- The basics. You will need a U.S. mailing address and a Social Security Number (SSN). You also need to be at least 18 years old (21, if a resident of Puerto Rico) and have enough individual income to afford credit card bills.
- At least fair credit. That means a credit score of 640+, but your approval odds only increase as your score gets higher.
- Income and other information. You will need to provide information about your total annual income. Your spending and the amount of debt you owe will also get factored in to the final decision. Ultimately, your debt-to-income ratio needs to be favorable enough to show that you can afford a credit card. Citibank may also consider other factors, such as how many recent credit inquiries you've had and the length of your credit history.
Keep in mind that you will have to apply for a Best Buy® Credit Card. If you do not meet its requirements, you will also be considered for the Best Buy Store Card and the Best Buy® Gold Visa Credit Card. The Best Buy® Credit Card requires good credit or better (a score of 700+) for approval, while the Best Buy Store Card and Best Buy® Gold Visa Credit Card require fair credit or better (a score of 640+).
Applying for a Best Buy® Credit Card triggers a hard inquiry on your credit, which can lead to a temporary dip in your credit score. So if you don't know where you stand, you can check your score for free, right here on WalletHub. And if your score needs improvement, feel free to check out our guide on how to improve your credit score.
Francine Yates, Member
@francine_yates
A "fair" rating, so about 640. There's obviously more to it than that, like your income, but generally that's what you need to get approved.
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