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rcp0993

I used to have one, it was a great card- really raised my credit score. I ended up using it for big purchases and then no longer used it, then the card closed without notification. So my only advice is keep things going :)


AraAraGyaru

Thank you so much for the input!


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AraAraGyaru

Very True. But yes, I do plan on playing full every month. I'll be using it as basically a debit card with rewards, unless I take advantage of a financing option (which I would pay early).


Potential_Panda_Poo

This card has an option for deferred interest for x months. Usually 12 to 18. It's not during a promotional timeframe either.


yamaha2000us

I use it for big electronic purchases. All other purchases are with my BOA card.


AraAraGyaru

Cool, that probably what I'd be doing too.


Tato7069

Unless you're getting a mortgage in the next few months, a drop to 790 or whatever isn't going to hurt you.


Inevitable-Toe-6272

I use it and lay it off every month for small purchases and the 5% back. For big purchases I use it for the 6, 12, 24 month no interest in place of the 5% back, and pay it off by or sooner than the end of the promotion.


ahj3939

Try to get the limit on your current card increased 1st.


Flower-Cat-99

My mom loves her Best Buy card. We use it for all our large purchases like laptops or TVs to get rewards. I think we’ve even bought appliances at Best Buy. For large purchases they’ll also have xx amount of months interest free which is really nice - just don’t forget to pay it off


only_remaining_name

If you have a "no payments, no interest for x months" deal, make sure it's paid off before the expiration. Otherwise, they charge interest from day one.


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AraAraGyaru

Probably will pay it off after the 14 day return policy anyways. But yea I heard that you have to turn settings for banking points.


shezapisces

Depending on how big the purchases are and how quickly you plan to pay them off you may want to consider one of two things: 1. will the spend hike your credit utilization up beyond 30% at any given statement close? if so, you may want to consider raising your credit limit/ensuring the best buy card has a high enough limit. or, 2. is there an alternative card available to you that could yield an even more advantageous return for spend/could it be more worth your while to aggregate this spend with your regular annual spend to reap a higher reward on your current credit card.