special financing best buy

Financing high-ticket items at Best Buy is easy thanks to the Best Buy Card. This financing program is designed to allow customers to defer an. Understand Google Store Financing · If you buy a phone from the Google Store, enjoy 0% APR and pay over 24 months. · At times, enjoy 0% APR on other qualifying. and monthly service plans with or without a contract from the provider, and Best Buy offers special financing with qualifying purchases.

Special financing best buy -

Xbox Series X/S All Access financing is now available at Best Buy and The Source

Though Xbox All Access launched as an GameStop exclusive offering back in October 2020, the financing option is also now available through Best Buy and The Source in Canada.

According to a recent tweet from @BBYC_Gamers, Best Buy Canada’s gaming-focused account, it’s now possible to get an Xbox Series X or Xbox Series S console and 24 months of Xbox Game Pass Ultimate for a “monthly price” and “with no upfront cost.” Best Buy also has a landing page with more information about All Access up on its website, and so does The Source.

To purchase either the Xbox Series X or Xbox Series S through All Access, navigate to this page. MobileSyrup can confirm that it is currently possible to buy both consoles at Best Buy and The Source through All Access.

The financing provider remains ‘PayPlan’ by RBC, and monthly costs are the same, including $29.99 per month for the Series S and $39.99 for the Series X.

The $29.99 monthly fee for the Xbox Series S financing plan means Canadians will pay $719.76 in total over the 24-months, excluding taxes. The Xbox Series S otherwise costs $379.99.

The $39.99 monthly fee means a total of $959.76 over the 24-months for the Xbox Series X plan. The console on its own costs $599.

It’s worth noting that both plans include Game Pass Ultimate, which costs $16.99 per month and includes access to all Microsoft first-party titles, EA Play games, Xbox Cloud Gaming and Xbox Live Gold.

Strangely, Xbox Canada’s website still lists EB Games as All Access’ exclusive provider in Canada. MobileSyrup has reached out to Microsoft Canada for more information.

Update 28/09/2021 2:31pm ET: This story has been updated with more information regarding Xbox All Access’ availability at The Source in Canada.

Источник: https://mobilesyrup.com/2021/09/23/xbox-series-x-s-all-access-financing-best-buy-canada/

My Best Buy Visa Card Review

But if you’re a techie or early adopter who winds up at Best Buy on a regular basis, there is one good reason to choose this card. You’ll earn a handsome 5% back in points on Best Buy purchases. (That’s 4% in addition to the 1% back you get as a member of the retailer’s complimentary loyalty program.)

In the world of rewards cards, that’s a good ongoing rate that’s on par with other big-name retailer’s’ rewards cards. Best Buy further boosts the card’s value by tacking on higher bonus earnings in other categories, something other retailer cards don’t always do. If you’ve got good credit and can qualify for the Platinum version (the Gold carries an annual fee of $59), give this card a good look. However, if you’re comparing the My Best Buy Visa Card to a general rewards credit card, it’s not quite as valuable because you can only use your points at Best Buy.

Pros
  • Big rewards on Best Buy purchases

  • Decent rewards on other purchases

Cons
  • Rewards can only be used at Best Buy

  • Potential for annual fee

  • High APR

  • Short reward expiration period

Pros Explained

  • Big rewards on Best Buy purchases: If you’ve always got to have the latest device, getting 5% back (in points) on your purchases can add up, and you won’t mind using your points to buy more at Best Buy. 
  • Decent rewards on other purchases: You’ll earn 3% back on gas, 2% back on groceries, dining and takeout, 1% back on all other purchases. The presence of numerous bonus rewards categories is rare among store cards.

Cons Explained

  • Rewards can only be used at Best Buy: Although you can earn points on all your purchases, you can only use them toward future purchases at Best Buy. Plus, redemption is a bit tricky. The points you earn must be redeemed for rewards certificates in increments of $5.
  • Potential for annual fee: If your credit history prevents you from qualifying for the Platinum card, you may be offered a Gold version, but you’ll have to pay a $59 annual fee to get it. Retail cards don’t typically charge an annual fee, so we’d consider this a deal-breaker. In fact, if you’re instead offered a store-only card with no annual fee, you’re probably better off. You won’t be able to use it outside of Best Buy, but you will get the 5% back in points on store purchases.  
  • High APR: The ongoing APR is at the high end for a store card and well above the average APR for a general cash-back credit card. 
  • Short reward expiration period: Rewards certificates expire in 60 days but the deadline could be shorter or longer, in some cases. If you don’t use the rewards by the expiration date, you’re out of luck.

My Best Buy Visa Card Bonus for New Cardholders

You won’t get a lump sum like you might with a general cash-back card, but there is an incentive offered to new cardholders. You’ll get 10% back on purchases made the first day you have the card.

Don’t let a one-time promotional offer like this tempt you to open up a credit card account unless it’s right for you otherwise. If you’ve got more than enough cards, don’t know if you’ll qualify for one without an annual fee, or worry you’ll be tempted to overspend, the discount is probably not worth it.

Earning Points & Rewards

The currency for the rewards on this card is points, but the earning rate is expressed in percentages, just like cash back. For qualifying purchases at Best Buy, you’ll earn 5% back in points. You’ll get 3% back at gas stations, 2% back on dining, and takeout, and 1% everywhere else.

Keep watch for the rotating rewards categories that change periodically, as you will have to activate them on your account. Best Buy’s most recent rotating rewards category is for 10% back on utility bills through March 2021.

Keep in mind that you can boost your rewards to 6% by earning Elite Plus status in the My Best Buy loyalty program: 1% base rate for rewards members, 4% for having the My Best Buy Visa and 1% for being an Elite Plus member. You earn Elite Plus status by spending at least $3,500 on Best Buy and non-Best Buy purchases in a calendar year.

The points system may be confusing at first glance because earning 5% back in points translates to 2.5 points per $1 spent, rather than 5 points per $1 spent. (And 3% back translates to 1.5 points, etc.) Each point is worth 2 cents, though, so 5% back in points is just like 5% cash back, except that you’ll get a coupon instead of cash. Here’s the simplest way to think about it: For every 250 points you earn, you’ll earn a $5 coupon toward future Best Buy purchases.

As a cardholder, you’ll get various promotional financing offers lasting months to years. If you choose promotional financing, you won’t earn any points for the purchase. 

Redeeming Rewards

You can use your rewards for online or in-store purchases at Best Buy only. You’ll automatically be emaileda $5 reward certificate when you hit 250 points. If you’d rather let your points build up, you can change your certificate preference level to be higher than the 250-point increment.

If your account is inactive for 12 months, the certificates will automatically be issued.

Reward certificates expire 60 days from the date they’re issued unless there is a different expiration date noted on the certificate. (Expiration dates may depend on your membership level in the loyalty program or whether the certificates were received as part of a specific offer.)  

How to Get the Most Out of This Card

Use this card whenever you’re at Best Buy and pay your balance in full each month, or you’ll quickly cancel out the benefit of your rewards. As for other everyday purchases, consider pairing this with a general cash-back rewards card, which may offer more lucrative rewards and certainly will give you more redemption flexibility. In fact, with another card, you may even have the option to buy Best Buy gift cards with your rewards.

Another way to leverage the card is to take advantage of special financing promotions that usually run from six to 36 months and offer reduced interest rates as low as 0%. Be careful with these offers, though. Best Buy charges “deferred interest,” which means If you don’t pay off your entire purchase by the end of the promo period—say, 24 months depending on the purchase type and amount—you’ll pay interest on the entire original purchase from the date of purchase, not just what’s left of your balance.

If you’re looking for time to pay off a big electronics purchase, you’re probably better off getting a general rewards card with an introductory 0% APR. If you wind up taking longer to pay it off than you expected, you’ll only have to pay interest on the remaining balance instead of the full original amount.

Customer Experience

Citibank, the issuer of this card, ranked sixth out of 11 national card issuers and scored below average in the J.D. Power 2021 U.S. Credit Card Satisfaction Study. Best Buy, however, ranked first out of five retailers in the J.D. Power 2021 U.S. Appliance Retailer Satisfaction Study.

Conveniently, you can redeem your reward certificates using the Best Buy mobile app, print them out, or just ask the cashier to look up your available certificates. You can also use the Best Buy Pay app to pay with your card through your mobile phone. 

Security Features 

Citi cards typically come with standard security features including zero liability and fraud detection and early warning notifications.  

My Best Buy Visa Card’s Fees 

The $59 annual fee for the Gold version of this card is unusual for a store card, and the APR for purchases and balance transfers is on the high side for a retail credit card. It’s worth noting that there is no foreign transaction fee.

Источник: https://www.thebalance.com/my-best-buy-visa-card-review-4778005
CardMatchFind card offers for you: This card is not currently available on CreditCards.com, but you can still find a great card offer for you! Our CardMatch tool can help match you with prequalified offers and cards that align with your credit history – with no harm to your credit score. Get personalized offers from our partners in seconds.

While other retailers such as Circuit City and Radio Shack have shuttered their doors, Best Buy stands as one of the last nationwide bastions in the electronics space. For loyal Best Buy customers, the My Best Buy Visa card is a good deal as far as retail cards go. Frequent visitors to the merchant are likely to relish a 5 percent rewards on all Best Buy purchases, along with decent rewards at gas stations, restaurants and grocery stores.

The card also offers promotional financing offers, access to special sales and decent sign-up benefits. However, a limited redemption program and high APR mean customers who don’t shop at the chain on a frequent basis should probably steer in the direction of a general-purpose rewards card.

Good earnings scheme

Few store-branded cards provide the ability to earn rewards with purchases made elsewhere, but that’s not the case with the My Best Buy Visa Card. In addition to 5 percent back in rewards on Best Buy purchases (6 percent in rewards for Elite Plus cardmembers), My Best Buy Visa cardholders enjoy 3 percent back on gas purchases, 2 percent back on grocery and dining purchases and 1 percent back on everything else.

The card also sometimes offers limited-time bonus rewards in additional categories. For example, in 2020, cardholders had a limited time to earn 10 percent back in rewards on pharmacy and drug store purchases and 5 percent back in rewards on wholesale club purchases, upon activation.

As long as you don’t mind using your rewards at Best Buy, this could be a pretty lucrative rewards scheme, especially for gamers, tech junkies or anyone else who spends a lot of time at electronics stores. For example, if you were lucky enough to snag a coveted Playstation 5 and spent $500 with your My Best Buy Visa Card, you’d earn back 1,250 points, worth $25 in purchases at Best Buy – enough for a three-month Playstation Plus subscription.

Thanks to its bonus rewards categories outside of Best Buy, we estimate that the My Best Buy Visa Card carries an average rewards rate of 1.79 points per dollar. This means that if your spending matched that of the average person, you’d stand to earn approximately 28,461 points per year with the My Best Buy Visa Card. Your points are worth 2 cents apiece, so this would add up to nearly $570 in rewards when redeemed at Best Buy.

The card also features a miniature sign-up bonus of 10% back in rewards on your first day of purchases when you’re approved for the card. You must make your first purchase within 14 days of approval to take advantage of this bonus, however.

Special financing deals

In lieu of rewards, cardholders can opt for promotional financing. Though Best Buy may occasionally offer special financing on specific items for terms as long as 60 months, the card’s standard benefit is six-month financing for purchases greater than $199 and 12-month financing for purchases greater than $399.

That said, keep in mind that interest will be charged to your account from the date of purchase if the balance isn’t paid in full by the end of the promotional period. So, tread lightly and don’t choose this alternative unless you’re confident you can make the necessary monthly payments to bring your promotional balance down to $0 by the time the clock runs out.

Card options vary

Though the My Best Buy Visa Platinum credit card has no annual fee, that doesn’t mean you won’t end up paying one. If your credit excludes you from the top-tier Platinum card, you’ll be considered for other cards in the following order: My Best Buy Credit Card Preferred; My Best Buy Credit Card; and My Best Buy Visa Gold. The bad news? The My Best Buy Credit Card (both regular and preferred) are store-only cards, so you won’t earn rewards on dining and general purchases as you would with the Platinum card.

Meanwhile, the My Best Buy Visa Gold card comes with a $59 annual fee. If this is the only card for which you qualify, you’ll need to spend nearly $1,300 annually to make up for the added expense – so consider your overall spending habits before signing on the dotted line.

Limited redemption

Despite the card’s flexible rewards, its redemption program is rather restrictive. While the Platinum card enables you to earn rewards outside of Best Buy, reward points – no matter where they’re accrued – are only redeemable at the electronics retailer. Also, the rewards come in the form of email certificates, which are issued once you reach 250 points (equal to $5). These certificates have very short expiration dates – they expire after just 60 days – so you need to shop at Best Buy at least every two months in order not to lose out on your rewards.

If you are unlikely to visit Best Buy frequently and/or do not want to have to keep track of rewards certificates, you may be better off with a lower maintenance cash back card – such as the Citi® Double Cash Card – that will allow you to earn cash back on your Best Buy purchases without imposing expiration dates on your rewards.

On the plus side, reward certificates can be stacked with other deals and discounts and are automatically emailed when you reach 250 points, so there’s no need to worry about losing paper certificates.

My Best Buy frequent shopper program

Becoming a My Best Buy Visa cardholder comes with enrollment in the store’s frequent shopper program, members of which are entitled to exclusive benefits such as free two-day shipping (with a $35 minimum purchase) and free Geek Squad setup. You can also earn rewards (0.5 points per dollar) without getting a credit card.

Spending $3,500 in a calendar year makes you an ElitePlus member, giving you access to 6 percent rewards on Best Buy purchases with the My Best Buy Visa Platinum credit card. You’ll also appreciate the extended period for returns and removal of the minimum purchase requirement for free shipping, among other perks.

Why get the My Best Buy Visa card?

  • You’re already a regular Best Buy customer.
  • You normally make electronics purchases elsewhere but are willing to switch for the rewards.
  • You don’t plan to carry a balance from month to month.
  • You shop frequently enough at Best Buy to use rewards certificates before they expire in 60 days.

How to use the My Best Buy Visa card:

  • Because of the card’s high APR, opt for deferred-interest financing over rewards if you’ll need more than a month to pay off a purchase.
  • That being said, beware of deferred interest associated with the card’s special financing offers. Interest is imposed retroactively if you still owe a balance on your purchase at the end of the promotional period.
  • Pay your regular balance in full every month to avoid paying higher-than-average interest.

Our reviews and best card recommendations are based on an objective rating process and are not driven by advertising dollars. However, we do receive compensation when you click on links to products from our partners. Learn more about our advertising policy

Источник: https://www.creditcards.com/reviews/my-best-buy-visa-card-from-citi-review/
  • MSUChip23 avatar

    Posted on May 11th, 2012, 7:05 PM, , User Since 131 months ago, User Post Count: 1484

    • May 11th, 2012, 7:05 PM
    • 131 months
    • 1484

    My laptop is about to die, and being the broke college student that I am, I can't really drop that kind of money all at once.

    Then I saw Best Buy has 18 months financing, no interest if paid in full before the ending date. It has a really high interest rate of like 27%, but if I plan on paying it off, it shouldn't be a problem within 18 months, since I do consistently work. And for a $500 laptop, only 28 bucks a month, which is more than manageable.

    Only problem, I don't trust these F'ers. I have a feeling this might just be too good to be true.

  • Discussion
  • VegasSpartan avatar

    Posted on May 11th, 2012, 7:09 PM, , User Since 131 months ago, User Post Count: 258

    • May 11th, 2012, 7:09 PM
    • 131 months
    • 258

    I did it a few years back, no problems at all. It's not in house financing, itll be a credit card issued by one of the larger banks. But don't miss a payment.

  • MSUChip23 avatar

    Posted on May 11th, 2012, 7:11 PM, , User Since 131 months ago, User Post Count: 1484

    • May 11th, 2012, 7:11 PM
    • 131 months
    • 1484

    Yeah I've heard if you miss one or are late, they give you all the interest up to that point. Can you do it online to ensure that it doesn't happen?

  • VegasSpartan avatar

    Posted on May 11th, 2012, 7:15 PM, , User Since 131 months ago, User Post Count: 258

    • May 11th, 2012, 7:15 PM
    • 131 months
    • 258

    That's true for any 0% program typically. If you are late, 0% ends and back interest is added to the balance and interest is accrued on new, higher balance.

    My rule of thumb is to always pay at minimum a business week before the due date. Don't give them an opportunity to say "oh I'm sorry, we need 48 hours to process an online pmt" or "oh, the mail must have not delivered it in time."

    But if you're good with your money, it won't be a problem. If it's due on the 20th of every month, use your bill pay to deliver it on the 10th. Or yes, use their auto-pay, even better.

    EDIT: And also realize that usually the minimum payment requirement on the card won't satisfy the entire balance before the 18 months is up. Most financially savvy way to do it is to pay the minimum for the first 17 months and then the remainder of the balance on the 18th month. But a lot of people forget about it a year and a half later.

  • BigDaddySpartan avatar

    Posted on May 11th, 2012, 7:21 PM, , User Since 131 months ago, User Post Count: 697

    • May 11th, 2012, 7:21 PM
    • 131 months
    • 697

    Not too good to be true, just don't ever be late with a payment and you'll be fine.

  • AASpartan avatar

    Posted on May 11th, 2012, 7:23 PM, , User Since 224 months ago, User Post Count: 14842

    • May 11th, 2012, 7:23 PM
    • 224 months
    • 14842

    One caveat for the BB financing is if you use the card again before the initial balance is paid off. They actually deduct payments from the most recent transaction first. Say you bought a $500 laptop and are paying $50 a month on it for a couple months and then go get a $500 TV (also 18 months same as cash financed). They'll take your $50 a month and put it toward the TV until that's paid off first and all the while your clock is ticking on the laptop.

  • Floyd Robertson avatar

    Posted on May 11th, 2012, 7:24 PM, , User Since 131 months ago, User Post Count: 13931

    • May 11th, 2012, 7:24 PM
    • 131 months
    • 13931

    Bought a couple of computers that way back in the early 90s, when computers were like $2,000 and came with 4MB of RAM. Actually paid them both off a little earlier than scheduled. As others have said, don't be late.

  • VegasSpartan avatar

    Posted on May 11th, 2012, 7:27 PM, , User Since 131 months ago, User Post Count: 258

    • May 11th, 2012, 7:27 PM
    • 131 months
    • 258

    I believe with the new credit card laws they eliminated this tactic by the banks.

    I have no experience with this scenario, but I thought I heard this. I believe to compensate, the banks will increase the minimum pmt on the card so there's enough "minimum" for each promotion.

  • ELCutter avatar

    Posted on May 11th, 2012, 7:37 PM, , User Since 131 months ago, User Post Count: 811

    • May 11th, 2012, 7:37 PM
    • 131 months
    • 811

    Done it a few times. If you pay it off, it works to your advantage.

  • Spartan89 avatar

    Posted on May 11th, 2012, 7:43 PM, , User Since 214 months ago, User Post Count: 5569

    • May 11th, 2012, 7:43 PM
    • 214 months
    • 5569

    I bought a couple tv's and it works great. Just paid a minimum monthly of $25 and do it online through HSBC credit card.

  • AASpartan avatar

    Posted on May 11th, 2012, 7:43 PM, , User Since 224 months ago, User Post Count: 14842

    • May 11th, 2012, 7:43 PM
    • 224 months
    • 14842

    Well if they've changed it, it has to have been within the last year. Should be easy enough to check anyway.

  • MSUSMB avatar

    Posted on May 11th, 2012, 10:58 PM, , User Since 131 months ago, User Post Count: 249

    • May 11th, 2012, 10:58 PM
    • 131 months
    • 249

    I've done this for a washer/dryer, my TV, and my carpet without any trouble; The washer/dryer and tv were from Fry's and went onto their Fry's Store Credit Card. Had to pay the minimum payments for two years and then paid off the balance on the last bill. My carpet was actually financed through Mohawk (carpet company) who outsourced the financing on a credit card through GE Bank (who knew they had a bank!). It was zero interest and zero payments for 2 years. Waited 23 months and paid the whole thing off without any trouble.

    Fry's credit was pretty good about everything (auto-pay was easy), except the promotion expired about two weeks before the 24th payment was due (the billing cycle started about two weeks after the purchase). I send an extra payment a week or so early, but had I waited for my bill due date I would have been hit with a bunch of interest. You can do this if you are vigilant about understanding the terms and paying it off on time.

  • M J avatar

    Posted on May 11th, 2012, 11:11 PM, , User Since 134 months ago, User Post Count: 8050

    • May 11th, 2012, 11:11 PM
    • 134 months
    • 8050

    I went ahead and set my account up to do auto payments of like $30 a month for 11 months or something and would have had my bill paid off.

    Minimum payment was $25 every month but the month after x-mas, some how they bumped it to $33 for the month, 1 month BEFORE my bill would have been entirely paid off, so I made my $30 on auto pay. Since it was $3 short I then got hit with all the backed interest, complete joke if you ask me, won't ever buy anything from Best Buy again, freaking scam.

  • ErnestScribbler avatar

    Posted on May 11th, 2012, 11:16 PM, , User Since 121 months ago, User Post Count: 78

    • May 11th, 2012, 11:16 PM
    • 121 months
    • 78

    credit card is legit, just don't get the account shield plus, wish I wasn't paying for that nonsense...

    just pay it off on time and dont be late.

  • JohnnyCostanza avatar

    Posted on May 11th, 2012, 11:23 PM, , User Since 131 months ago, User Post Count: 3391

    • May 11th, 2012, 11:23 PM
    • 131 months
    • 3391

    You can cancel that anytime. I used to work at a Best Buy and they would push the Account shield on us as hard as trying to get us to buy $80 HDMI cables. Like the others have said, as long as you pay the monthly minimum and have it paid off before it's due you'll be fine. From what I experienced the biggest issue people had was actually getting the card. I had to turn quite a few people down for it because of credit issues.

  • Ron Jeremy avatar

    Posted on May 12th, 2012, 12:00 AM, , User Since 175 months ago, User Post Count: 5916

    • May 12th, 2012, 12:00 AM
    • 175 months
    • 5916

    I bought two big screen TV's, a desktop and two laptops, and my washer and dryer using Best Buy financing. Make the payments on time, no issues.

    I would rather throw them $50 a month over 2-4 years interest free than pay the lump sum upfront. My TV's were on 36 and 48 month contracts. Computers were 24 months, the washer and dryer were 36 months.

    I love buying stuff this way, interest free and I can pay them a little at a time.

  • rob avatar

    Posted on May 12th, 2012, 1:23 AM, , User Since 222 months ago, User Post Count: 8587

    • May 12th, 2012, 1:23 AM
    • 222 months
    • 8587

    Not true. Read the billing statement, they tell you that money's paid are first applied against the first to become due.

  • VegasSpartan avatar

    Posted on May 12th, 2012, 1:24 AM, , User Since 131 months ago, User Post Count: 258

    • May 12th, 2012, 1:24 AM
    • 131 months
    • 258

    So you didn't pay the minimum on your statement one month and somehow it's a scam?

    EDIT: Shot in the dark here but I bet your minimum pmt went up because you used your best buy card to purchase xmas gifts and increased your balance. Regardless, you didn't pay what they told you to pay.

  • M J avatar

    Posted on May 12th, 2012, 2:37 AM, , User Since 134 months ago, User Post Count: 8050

    • May 12th, 2012, 2:37 AM
    • 134 months
    • 8050

    Nope, made 1 purchase of a laptop, was told minimum payments were going to be $25 a month.

    Never made another purchase on the card, minimum payments were $25 EVERY Month, exactly what a Best Buy Employee told me they would be, as I had the auto pay set up to deduct the money on the same day every month. 1 month before it was to be paid off, the minimum payment randomly goes up $8 (to $33), then back to $25 the following month.

    I do this same thing with all my credit cards, NEVER had a problem ever with anyone setting up the auto payments, except Best Buy, and from what I have heard, this isn't the first time this has happened to people.

  • Spartan_MD avatar

    Posted on May 12th, 2012, 6:44 AM, , User Since 131 months ago, User Post Count: 571

    • May 12th, 2012, 6:44 AM
    • 131 months
    • 571

    I've done it before, but I always pay it off earlier. So for your example I'd pay it off in 16 months for $31.25 ( a mere $3 per month more) using the auto pay of your bank. Then check at month 17 that its paid off and close the card.

    Repeat PRN.

  • blujay40 avatar

    Posted on May 12th, 2012, 7:08 AM, , User Since 131 months ago, User Post Count: 112

    • May 12th, 2012, 7:08 AM
    • 131 months
    • 112

    I have been doing this for years.

    Just know that your minimum payment due will be allocated proportionally over all "categories" of purchases regardless of whether they are promotional ones or not and without regard to which ones might be expiring first. Then, any overpayment above the minimum payment due will be posted to the account with the highest interest rate UNLESS you are within 2 months of a promotional plan expiring. Then any overpayment will go to those balances first. So if you don't want to monitor your statement every month, the smart thing to do is to NOT carry a balance other than a promotional one.

    Here is a direct quote from my statement:

    "We apply the amount of your payment equal to the Minimum Payment Due at our discretion and generally to the Minimum Payment Due calculated on each credit plan. We apply any payment in excess of the Minimum Payment Due on your account to the higher APR balances before lower APR balances. If you have a Same As Cash Plan(s), we will automatically apply payments received during the final two complete billing cycles and up to the date of expiration first to the required Minimum Payment Due and next to the plan(s) that is expiring, in order of expiration; at other times, we will treat your Same As Cash Plan as having a 0% APR for the purposes of determing payment application."

    HTH

  • Trevor Barnes avatar

    Posted on May 12th, 2012, 7:27 AM, , User Since 176 months ago, User Post Count: 17594

    • May 12th, 2012, 7:27 AM
    • 176 months
    • 17594

    Well they certainly beat Blue Hippo's financing.

  • Ham Porter avatar

    Posted on May 12th, 2012, 8:29 AM, , User Since 131 months ago, User Post Count: 6943

    • May 12th, 2012, 8:29 AM
    • 131 months
    • 6943

    I think the real question here is why you would buy something at Best Buy.

  • ErnestScribbler avatar

    Posted on May 12th, 2012, 8:37 AM, , User Since 121 months ago, User Post Count: 78

    • May 12th, 2012, 8:37 AM
    • 121 months
    • 78

    I worked at Best Buy as well for several years, maybe I misunderstood the 60 day trial period, so you can cancel at anytime but only have the 60 days to get your account shield money back? Hmm...I am going to look into this. I always thought after that you couldn't turn it off....at least thats what we were told. What store did you work at Johnny?

  • Carl Carlson avatar

    Posted on May 12th, 2012, 8:42 AM, , User Since 131 months ago, User Post Count: 291

    • May 12th, 2012, 8:42 AM
    • 131 months
    • 291

    Basically, what everyone is saying is true. I got a TV 36 months no interest, and will pay it off probably next month around month 30. DON'T MISS A PAYMENT and it works out great. Miss one payment you are screwed. Started paying on mine when I was a broke grad student and now realize it was a great idea since I never paid more than 75 a month as opposed to having paid $2,000 up front. I also realize this is why our country is in a credit crisis, buying things you can't afford, but be responsible and you will be fine.

  • AASpartan avatar

    Posted on May 12th, 2012, 8:53 AM, , User Since 224 months ago, User Post Count: 14842

    • May 12th, 2012, 8:53 AM
    • 224 months
    • 14842

    I wouldn't have posted it if that wasn't exactly the way that it occurred to me. It may have changed now, but it most definitely wasn't that way before.

Источник: https://247sports.com/Board/93/Best-Buy-Financing-Anyone-try-it-9546197/

Best Buy Card review

The Best Buy Card is a financing program that’s offered by Best Buy in partnership with Fairstone. It lets you finance a purchase and make monthly payments on it over the course of 3 to 24 months with 0% interest. However, you’ll still need to pay an admin fee to get started. You’ll also have to pay interest on your purchase if you miss payments or don’t pay your purchase off by the end of your term.

30-second take

  • Get this card if you regularly shop at Best Buy and don’t have the money upfront for a large purchase.
  • Choose something else if you’re not interested in financing a large purchase or you want more rewards and benefits with your card.
  • There’s no minimum annual income to qualify for this card listed on the website.

The Best Buy Card is a financing program that’s offered by Best Buy in partnership with Fairstone, a reputable Canadian lender. This card lets you finance large in-store purchases easily. From there, you’ll make monthly payments to pay off your purchase with 0% interest down until your term runs out.

Extended financing can be arranged in terms from 3 to 24 months, depending on the cost of your purchase. You’ll pay an admin fee to set up each plan, but you’ll only have to pay interest on your plan if you don’t pay your purchase off by the end of your term.

Which plans are available with the Best Buy Card?

The Best Buy Card offers three main financing options:

All of these financing plans are offered by Fairstone. When you sign up for a plan, you’ll be responsible for making your payments back to this lender.

Let’s say that you’re a university student and your laptop dies. You won’t have a lump sum of cash until the summer, but you can’t do your schoolwork without a computer. You decide to apply for a Best Buy Card so that you can finance a laptop at no-interest for 12 months. While you’ll still have to make monthly payments to pay off your balance, the benefit is your payments will be smaller and they will go towards your principal instead of interest.

How is this different from a normal credit card? With a typical card, you might pay around $112 in interest on a $1,000 purchase over the course of the year. With a Best Buy Card, you don’t pay any interest on your purchase until your term is up. Just be aware that you'll have to pay an admin fee of around $69.99 for a one-year term (or whatever fee applies to the term you sign up for).

In this scenario, you pay less with Best Buy financing than you would with a regular credit card. The caveat is that you’ll have to pay an admin fee plus 31.99% in interest on your purchase if you don’t pay your Best Buy Card off in full by the end of your term. This is much more than you would pay with a regular credit card.

  • Easy to qualify. You can find out if you qualify for the Best Buy Card in a matter of minutes when you apply online.
  • Flexible term lengths. You’ll be able to apply for the term length that best meets your needs (with terms ranging from six months to two years).
  • No interest on purchases. You won’t accrue any interest on your purchases unless you don’t pay them off in full by the time your terms ends.
  • Consistent monthly payments. It’s easy to budget for your payments since they’ll stay the same for the duration of your term.
  • Cheaper than a credit card. You’ll pay less with the Best Buy Card than you would with a regular credit card as long as you pay your purchase off in full by the due date.
  • Exclusive to Best Buy. You can only use your Best Buy Card to make purchases in-store at Best Buy.
  • No online account. You’ll only be able to access your account details on a paper statement that gets mailed to you monthly or by calling Fairstone directly.
  • High admin fee. You’ll pay a high admin fee to set up each financing term.
  • No insurance. This card doesn’t offer fraud protection, purchase insurance or extended warranty coverage.
  • Zero rewards. You won’t earn cashback or rewards on any of your purchases.
  • Different plans in Quebec. You may not have access to all of the Best Buy Card financing options if you live in Quebec.
Eligibility requirements

To apply for a Best Buy Card you need to:

  • Be a Canadian citizen or permanent resident who is at least 18 years old (19 in some provinces).
  • In Quebec, you'll need to pay a $35 annual fee.
Required documents and information:
  • Your name, residential status and contact information.
  • Your social insurance number and date of birth.
  • Your email address and phone number.
  • Two valid pieces of ID in-store (or verify your ID online by signing in with your bank)

It takes as little as five minutes to apply for this card online. All you need to do is follow the steps below to get started:

  1. Visit the main site for the Best Buy Card and click on the blue button that says “Start your application.”
  2. This will open a new page with Fairstone, where you can click “Start” and then agree to the privacy terms and conditions.
  3. On the next page, you’ll be asked to sign in with your banking partner. If you don’t feel comfortable doing this, you can indicate that you don’t see your financial institution listed. This will let you apply for financing and then activate it in-store by showing two pieces of ID.
  4. Enter personal information such as your full name, residential address, residency status, birth date and email address.
  5. Input additional information such as your income, whether you rent or own your home and how much your monthly outstanding debts are.
  6. Consent to a credit check and wait to see if you get approved for financing.
  7. Make your monthly payments as scheduled until your term runs out.
Источник: https://www.finder.com/ca/best-buy-card

Copyright ©2001- Fair Isaac Corporation. All rights reserved.

IMPORTANT INFORMATION:

All FICO® Score products made available on myFICO.com include a FICO® Score 8, and may include additional FICO® Score versions. Your lender or insurer may use a different FICO® Score than the versions you receive from myFICO, or another type of credit score altogether. Learn more

FICO, myFICO, Score Watch, The score lenders use, and The Score That Matters are trademarks or registered trademarks of Fair Isaac Corporation. Equifax Credit Report is a trademark of Equifax, Inc. and its affiliated companies. Many factors affect your FICO Scores and the interest rates you may receive. Fair Isaac is not a credit repair organization as defined under federal or state law, including the Credit Repair Organizations Act. Fair Isaac does not provide "credit repair" services or advice or assistance regarding "rebuilding" or "improving" your credit record, credit history or credit rating. FTC's website on credit.

PRIVACY NOTICE: When you visit this website we collect your browsing activities on our site and use that information to analyze and research improvements to the website, and to our products and services. When you register for our products and services, we also collect certain personal information from you for identification purposes, such as your name, address, email address, telephone number, social security number, IP address, and date of birth. Further information is available in our FICO Data Privacy Policy. For visitors with visual disabilities, access to this website, including our FICO Data Privacy Policy, is available through assistive technologies, such as BrowseAloud, JAWS, VoiceOver, Narrator, ChromeVox, and Window-Eyes. More details on software and accessibility are available at WebAIM.org.

Источник: https://ficoforums.myfico.com/t5/Credit-Cards/How-does-18-month-financing-at-Best-Buy-work/td-p/2425179

How does a 0% purchase credit card work?

If you're looking to make an expensive purchase but aren't in a position to cover the cost upfront, a credit card that offers a 0% deal on spending can be the ideal solution. 

These cards won't charge any interest on purchases for an initial period, of between three and 23 months, which means there's no immediate rush to pay off your balance.

However, to really benefit you need to be disciplined enough to steadily repay the debt before the promotional period ends; otherwise, you'll be charged interest on the remaining balance at the card's standard APR – typically around 20%.

You can compare the latest 0%-on-purchases deals using Which? Money Compare. This guide explains everything you need to know about 0%-on-purchases credit cards, and how to find the best deals.  

 

The best 0% purchase credit card deals

Here are the longest-lasting 0% credit card deals at the moment. You can compare more 0%-on-purchases credit cards using Which? Money Compare.

Please note that the information in this article is for information purposes only and does not constitute advice. Please refer to the particular terms and conditions of a credit card provider before committing to any financial products.

You'll need to have a good credit score to access the most competitive 0% deals; otherwise, you could be offered a shorter 0% period than the one advertised, or turned down altogether. 

Who are the best 0% purchase credit card providers?

It’s frustrating that you never know what you’re going to get with a credit card provider until after you’ve applied and taken out a deal.

Fortunately, Which? has reviewed 26 of the biggest credit card providers to help you discover what they’re like for customer service, cost, rewards and managing your account before signing up.

So you can check out customer scores of the major players in the 0% purchase credit card market such as Tesco Bank, Barclaycard, and more in the best and worst credit card providers before you make a decision.

The companies that combine great deals with top-notch customer satisfaction are awarded our coveted Which? Recommended Provider status. 

You can also check out our individual reviews of each provider to help you make your decision.

Below are the top 0% purchase credit cards on the market that are also Which Recommended Providers.

Please note that the information in this article is for information purposes only and does not constitute advice. Please refer to the particular terms & conditions of a credit card provider before committing to any financial products.

Is an interest-free purchase credit card better than a personal loan?

A 0% credit card may be better suited to your needs than a personal loan.

With an interest-free credit card, you don’t have to commit to anything higher than the minimum repayment each month.

It’s also a form of 'revolving credit', so what you pay back you can spend again.

In contrast, when you take out a personal loan you will need to make fixed monthly repayments for as long as you’ve asked to borrow for and won't be able to use that money again.

The best 0% purchase credit cards offer up to 23 months interest-free but even with the cheapest loan, you will have to pay interest.

The best deal for loans ranging between £7,500 and £15,000 is around 2.8% APR right now.

The amount you can borrow may also differ. You can choose to borrow smaller amounts with a credit card - even if you are given a big limit. In contrast, the smallest amount you can get with a personal loan is £3,000 and the rates aren't as competitive compared to borrowing larger amounts.

The table below sets out some of the main differences to consider.

0% purchase credit card: golden rules

If you’re planning to take out a 0% purchase credit card make sure you know the golden rules that will help you get the most of the deal.

1. Only borrow what you need

With a 0% purchase credit card it’s important to just borrow what you need and can afford to pay back.

So even if you get a credit card with a high limit of £10,000 there’s no point in spending £10,000 if you have no idea how you will clear the balance after the 0% period.

2. Make at least the minimum repayment each month

Even if you plan to delay repaying the bulk of what you borrow on a 0% purchase credit card you'll need to make at least the minimum repayment on time each month. 

If you don't, you'll not only incur a late payment fee (typically around £12) but could lose the 0% deal altogether. To avoid getting caught out, set up a direct debit to cover this amount. 

The minimum on a credit card is usually around 1% of the outstanding balance but can be more so double check your card’s terms and conditions. 

If you can afford to pay back more than the minimum repayment you should.

3. Have a plan to repay the debt

The key to making the most of a 0% purchase credit card is to ensure you have no remaining debt when the interest-free period comes to an end.

A simple way to do this is to divide the total you've spent on your credit card by the number of months that your 0% deal lasts for and set up a direct debit to pay off that amount each month, in the same way you would pay off a loan.  

Provided you don't make any more purchases, this will ensure you don't pay interest on what you've borrowed. 

If you have some debt remaining after your card's promotional period ends, consider shifting this to a card that offers a 0% interest deal on balance transfers. You can find the latest deals on Which? Money Compare. 

You can use our 0% purchase credit card calculator to work out what your repayments should be: 

4. Don’t withdraw cash on your card

You should never withdraw cash using your 0% purchase credit card.

If you do you will be charged interest from the day you take the money out and usually at a much higher rate.

That’s because your 0% deal is only for new purchases you make with the card online, in shops, restaurants – not for taking cash out of an ATM or for any other cash advance such as buying travel money.

Some providers also report when you make a cash withdrawal on your credit record, as it suggests you may be in financial difficulty.

0% purchase credit cards: FAQs

Here are some common queries about 0% purchase credit cards. If you have any other questions please get in touch.

 

Can I get an interest-free credit card?

 

Your ability to get the best 0% purchase credit card deals will depend on the information in your credit report.

Credit cards providers only have to offer their advertised offer to 51% of applicants so the other 49% could get a worse deal.

Some lenders will allow you to do a soft search before you apply to see the likelihood of getting accepted.

Find out more in our guide to how to check your credit score for free

 

 

Can I do a money transfer to my bank account using a 0% purchase credit card?

 

A 0% purchase credit card shouldn’t be used to transfer money from your card to your bank account unless there is a 0% money transfer offer on the same deal.

The 0% purchase deal only applies to new spending you do in shops or online. So if your card provider allows you to do a money transfer double check what interest rate it is charging (it might be a 0% deal but for a shorter period than the purchase deal) and the fee for the money transfer.

 

Can I do a balance transfer on a 0% purchase credit card?

 

A 0% purchase credit card shouldn’t be used to transfer a balance from an existing credit card to your new card unless there is a 0% balance transfer offer on the same deal.

The 0% purchase deal only applies to new spending you do in shops or online. So if your card provider allows you to do a balance transfer double check what rate it is charging (it might be a 0% deal but for a shorter period than the purchase deal) and the fee for the balance transfer.

 

Which interest-free credit cards have the highest limits?

 

The limit you get will depend on your credit profile and a lender’s assessment of your credit report and affordability.

 

What if I have another question?

 

Email us using [email protected]

Источник: https://www.which.co.uk/money/credit-cards-and-loans/credit-cards/best-credit-card-deals/best-interest-free-credit-cards-adhff7t2lxl0

Xbox Series X/S All Access financing is now available at Best Buy and Comenity bjs account Source

Though Xbox All Access launched as an GameStop exclusive offering back in October 2020, the financing option is also now available through Best Buy and The Source in Canada.

According to a recent tweet from @BBYC_Gamers, Best Buy Canada’s gaming-focused account, it’s now possible to get an Xbox Series X or Xbox Series S console and 24 months of Xbox Game Pass Ultimate for a “monthly price” and “with no upfront cost.” Best Buy also has a landing page with more information about All Access up on its website, and so does The Source.

To purchase either the Xbox Series X or Xbox Series S through All Access, navigate to this page. MobileSyrup can confirm that it is currently possible to buy both consoles at Best Buy and The Source through All Access.

The financing provider remains ‘PayPlan’ by RBC, and monthly costs are the same, including $29.99 per month for the Series S and $39.99 for the Series X.

The $29.99 monthly fee for the Xbox Series S financing plan means Canadians will pay $719.76 in total over the 24-months, excluding taxes. The Xbox Series S otherwise costs $379.99.

The $39.99 monthly fee means a total of $959.76 over the 24-months for the Xbox Series X plan. The console on its own costs $599.

It’s worth noting that both plans include Game Pass Ultimate, which costs $16.99 per month and includes access to all Microsoft first-party titles, EA Play games, Xbox Cloud Gaming and Xbox Live Gold.

Strangely, Xbox Canada’s website still lists EB Games as All Access’ exclusive provider in Canada. MobileSyrup has reached out to Microsoft Canada for more information.

Update 28/09/2021 2:31pm ET: This story has been updated with more information regarding Xbox All Access’ availability at The Source in Canada.

Источник: https://mobilesyrup.com/2021/09/23/xbox-series-x-s-all-access-financing-best-buy-canada/

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Источник: https://www.lenovo.com/us/en/landingpage/lenovo-financing-options

Copyright ©2001- Fair Isaac Corporation. All rights reserved.

IMPORTANT INFORMATION:

All FICO® Score products made available on myFICO.com include a FICO® Score 8, and may include additional FICO® Score versions. Your lender or insurer may use a different FICO® Score than the versions you receive from myFICO, or another type of credit score altogether. Learn more

FICO, myFICO, Score Watch, The score lenders use, and The Score That Matters are trademarks or registered trademarks of Fair Isaac Corporation. Equifax Credit Report is a trademark of Equifax, Inc. and its affiliated companies. Many factors affect your FICO Scores and the interest rates you may receive. Fair Isaac is not a credit repair organization as defined under federal or state law, including the Credit Repair Organizations Act. Fair Isaac does not provide "credit repair" services or advice or assistance regarding "rebuilding" or "improving" your credit record, credit history or credit rating. FTC's website explain the services banks provide credit.

PRIVACY NOTICE: When you visit this website we collect your browsing activities on our site and use that information to analyze and research improvements to the website, and to our products and services. When you register for our products and services, we also collect certain personal information from you for identification purposes, such as your name, address, email address, telephone number, social security number, IP address, and date of birth. Further information is available in our FICO Data Privacy Policy. For visitors with visual disabilities, access to this website, including our FICO Data Privacy Policy, is available through assistive technologies, such as BrowseAloud, JAWS, VoiceOver, Narrator, ChromeVox, and Window-Eyes. More details on software and accessibility are available at WebAIM.org.

Источник: https://ficoforums.myfico.com/t5/Credit-Cards/How-does-18-month-financing-at-Best-Buy-work/td-p/2425179

How does a 0% purchase credit card work?

If you're looking to make an expensive purchase but aren't in a position to cover the cost upfront, a credit card that mibank hibiscus card a 0% deal on spending can be the ideal solution. 

These cards won't charge any interest on purchases for an initial period, of between three and 23 months, which means there's no immediate rush to pay off your balance.

However, to really benefit you need to be disciplined enough to steadily repay the debt before the promotional period ends; otherwise, you'll be charged interest on the remaining balance at the card's standard APR – typically around 20%.

You can compare the latest 0%-on-purchases deals using Which? Money Compare. This guide explains everything you need to know about 0%-on-purchases credit cards, and how to find the best deals.  

 

The best special financing best buy purchase credit card deals

Here are the longest-lasting 0% credit card deals at the moment. You can compare more 0%-on-purchases credit cards using Which? Money Compare.

Please note that the information in this article is for information purposes only and does not constitute advice. Please refer to the particular terms and conditions of a credit card provider before committing to any financial products.

You'll need to have a good credit score to access the most competitive 0% deals; otherwise, you could be offered a shorter 0% period than the one advertised, or turned down altogether. 

Who are the best 0% purchase credit card providers?

It’s frustrating that you never know what you’re going to get with a credit card provider until after you’ve applied and taken out a deal.

Fortunately, Which? has reviewed 26 of the biggest credit card providers to help you discover what they’re like for customer service, cost, rewards and managing your account before signing up.

So you can check out customer scores of the major players in the 0% purchase credit card market such as Tesco Bank, Barclaycard, and more in the best and worst credit card providers before you make a decision.

The companies that combine great deals with top-notch customer satisfaction are awarded our coveted Which? Recommended Provider status. 

You can also check out our individual reviews of each provider to help you make your decision.

Below are the top 0% purchase credit cards on the market that are also Which Recommended Providers.

Please note that the information in this article is for information purposes only and does not constitute advice. Please refer to the particular terms & conditions of a credit card provider before committing to any financial products.

Is an interest-free purchase credit card better than a personal loan?

A 0% credit card may be better suited to your needs than a personal loan.

With an interest-free credit card, you don’t have to commit to anything higher than the minimum repayment each month.

It’s also a form of 'revolving credit', so what you pay back you can spend again.

In contrast, when you take out a personal loan you will need to make fixed monthly repayments for as long as you’ve asked to borrow for and won't be able to use that money again.

The best 0% purchase credit cards offer up to 23 months interest-free but even with the cheapest loan, you will have to pay interest.

The best deal for loans ranging between £7,500 and £15,000 is around 2.8% APR right now.

The amount you can borrow may also differ. You can choose to borrow smaller amounts with a credit card - even if you are given a big limit. In contrast, the smallest amount you can get with a personal loan is £3,000 and the rates aren't as competitive compared to borrowing larger amounts.

The table below sets out some of the main differences to consider.

0% purchase credit card: golden rules

If you’re planning to take out a 0% purchase credit card make sure you know the golden rules that will help you get the most of the deal.

1. Only borrow what you need

With a 0% purchase credit card it’s important to just borrow what you need and can afford to pay back.

So even if you get a credit card with a high limit of £10,000 there’s no point in spending £10,000 if you have no idea how you will clear the balance after the 0% period.

2. Make at least the minimum repayment each month

Even if you plan to delay repaying the bulk of what you borrow on a 0% purchase credit card you'll need to make at least the minimum repayment on time each month. 

If you don't, you'll not only incur a late payment fee (typically around £12) but could lose the 0% deal altogether. To avoid getting caught out, set up a direct debit to cover this amount. 

The minimum on a credit card is usually around 1% of the outstanding balance but can be more so double check your card’s terms and conditions. 

If you can afford to pay back more than the minimum repayment you should.

3. Have a plan to repay the debt

The key to making the most of a 0% purchase credit card is to ensure you have no remaining debt when the interest-free period comes to an end.

A simple way to do this is to divide the total you've spent on your credit card by the number of months that your 0% deal lasts for and set up a direct debit to pay off that amount each month, in the same way you would pay off a loan.  

Provided you don't make any more purchases, this will ensure you don't pay interest on what you've borrowed. 

If you have some debt remaining after your card's promotional period ends, consider shifting this to a card that offers a 0% interest deal on balance transfers. You can find the latest deals on Which? Money Compare. 

You can use our 0% purchase credit card calculator to work out what your repayments should be: 

4. Don’t withdraw cash on your card

You should never withdraw cash using your 0% purchase credit card.

If you do you will be charged interest from the day you take the money out and usually at a much higher rate.

That’s because your 0% deal is only for new purchases you make with the card online, in shops, restaurants – not for taking cash out of an ATM or for any other cash advance such as buying travel money.

Some providers also report when you troy bank and trust ariton al a cash withdrawal on your credit record, as it suggests you may be in financial difficulty.

0% purchase credit cards: FAQs

Here are some common queries about 0% purchase credit cards. If you have any other questions please get in touch.

 

Can I get an interest-free credit card?

 

Your ability to get the best 0% purchase credit card deals will depend on the information in your credit report.

Credit cards providers only have to offer their advertised offer to 51% of applicants so the other 49% could get a worse deal.

Some lenders will allow you to do a soft search before you apply to see the likelihood of getting accepted.

Find out more in our guide to how to check your credit score for free

 

 

Can I do a money special financing best buy to my bank account using a 0% purchase credit card?

 

A 0% purchase credit card shouldn’t be used to transfer money from your card to your bank account unless there is a 0% money transfer offer on the same deal.

The 0% purchase deal only applies to new spending you do in shops or online. So if your card provider allows you to do a money transfer double check what interest rate it is charging (it might be a 0% deal but for a shorter period than the purchase deal) and the fee for the money transfer.

 

Can I do a balance transfer on a 0% purchase credit card?

 

A 0% purchase credit card shouldn’t be used to transfer a balance from an existing credit card to your new card unless there is a 0% balance transfer offer on the same deal.

The 0% purchase deal only applies to new spending you do in shops or online. So if your card provider allows you to do a balance transfer double check what rate it is charging (it might be a 0% deal but for a shorter period than the purchase deal) and the fee for the balance transfer.

 

Which interest-free credit cards have the highest limits?

 

The limit you get will depend on your credit profile and a lender’s assessment of your credit report and affordability.

 

What if I have another question?

 

Email us using [email protected]

Источник: https://www.which.co.uk/money/credit-cards-and-loans/credit-cards/best-credit-card-deals/best-interest-free-credit-cards-adhff7t2lxl0
  • MSUChip23 avatar

    Posted on May 11th, 2012, 7:05 PM,User Since 131 months ago, User Post Count: 1484

    • May 11th, 2012, 7:05 PM
    • 131 months
    • 1484

    My laptop is about to die, and being the broke college student that I am, I can't really drop that kind of money all at once.

    Then I saw Best Buy has 18 months financing, no interest if paid in full before the ending date. It has a really high interest rate of like 27%, but if I plan on paying it off, it shouldn't be a problem within 18 months, since I do consistently work. And for a $500 laptop, only 28 bucks a month, which is more than manageable.

    Only problem, I don't trust these F'ers. I have a feeling this might just be too good to be true.

  • Discussion
  • VegasSpartan avatar

    Posted on May 11th, 2012, 7:09 PM,User Since 131 months ago, User Post Count: 258

    • May 11th, 2012, 7:09 PM
    • 131 months
    • 258

    I did it a few years back, no problems at all. It's not in house financing, itll be a credit card issued by one of the larger banks. But don't miss a payment.

  • MSUChip23 avatar

    Posted on May 11th, 2012, 7:11 PM,User Since 131 months ago, User Post Count: 1484

    • May 11th, 2012, 7:11 PM
    • 131 months
    • 1484

    Yeah I've heard if you miss one or are late, they give you all the interest up to that point. Can you do it online to ensure that it doesn't happen?

  • VegasSpartan avatar

    Posted on May 11th, 2012, 7:15 PM,User Since 131 months harleysville savings bank login, User Post Count: 258

    • May 11th, 2012, 7:15 PM
    • 131 months
    • 258

    That's true for any 0% program typically. If you are late, 0% ends and back interest is added to the balance and interest is accrued on new, higher balance.

    My rule of thumb is to always pay at minimum a business week before the due date. Don't give them an opportunity to say "oh I'm sorry, we need 48 hours to process an special financing best buy pmt" or "oh, the mail must have not delivered it in special financing best buy

    But if you're good with your money, it won't be a problem. If it's due on the 20th of every month, use your bill pay to deliver it on the 10th. Or yes, use their auto-pay, even better.

    EDIT: And also realize that usually the minimum payment requirement on the card won't satisfy the entire balance before the 18 months is up. Most financially savvy way to do it is to pay the minimum for the first 17 months and then the remainder of the balance on the 18th month. But a lot of people forget about it a year and a half later.

  • BigDaddySpartan avatar

    Posted on May 11th, 2012, 7:21 PM,User Since 131 months ago, User Post Count: 697

    • May 11th, 2012, 7:21 PM
    • 131 months
    • 697

    Not too good to be true, just don't ever be late with a payment and you'll be fine.

  • AASpartan avatar

    Posted on May 11th, 2012, 7:23 PM,User Since 224 months ago, User Post Count: 14842

    • May 11th, 2012, 7:23 PM
    • 224 months
    • 14842

    One caveat for the BB financing is if you use the card again before the initial balance is paid off. They actually deduct payments from the most recent transaction first. Say you bought a $500 laptop and are paying $50 a month on it for a couple months and then go get a $500 TV (also 18 months same as cash financed). They'll take your $50 a month and put it toward the TV until that's paid off first and all the while your clock is ticking on the laptop.

  • Floyd Robertson avatar

    Posted on May 11th, 2012, 7:24 PM,User Since 131 months ago, User Post Count: 13931

    • May 11th, 2012, 7:24 PM
    • 131 months
    • 13931

    Bought a couple of computers that way back in the early 90s, when computers were like $2,000 and came with 4MB of RAM. Actually paid them both jack trice stadium directions a little earlier than scheduled. As others have said, don't be late.

  • VegasSpartan avatar

    Posted on May 11th, 2012, 7:27 PM,User Since 131 months ago, User Amazon fire stick discount code Count: 258

    • May 11th, 2012, 7:27 PM
    • 131 months
    • 258

    I believe with the new credit card laws they eliminated this tactic by the banks.

    I have no experience with this scenario, but I thought I heard this. I believe to compensate, the banks will increase the minimum pmt on the card so there's enough "minimum" for each promotion.

  • ELCutter avatar

    Posted on May 11th, 2012, 7:37 PM,User Since 131 months ago, User Post Count: 811

    • May 11th, 2012, 7:37 PM
    • 131 months
    • 811

    Done it a few times. If you pay it off, it works to your advantage.

  • Spartan89 avatar

    Posted on May 11th, 2012, 7:43 PM,User Since 214 months ago, User Post Count: 5569

    • May 11th, 2012, 7:43 PM
    • 214 months
    • 5569

    I bought a couple tv's and it works great. Just paid a minimum monthly of $25 and do it online through HSBC credit card.

  • AASpartan avatar

    Posted on May 11th, 2012, 7:43 PM,User Since 224 months ago, User Post Count: 14842

    • May 11th, 2012, 7:43 PM
    • 224 months
    • 14842

    Well if they've changed it, it has to have been ulta beauty store san antonio tx the last year. Should be easy enough to check anyway.

  • MSUSMB avatar

    Posted on May 11th, 2012, 10:58 PM,User Since 131 months ago, User Post Count: 249

    • May 11th, 2012, 10:58 PM
    • 131 months
    • 249

    I've done this for a washer/dryer, my TV, and my carpet without any trouble; The washer/dryer and tv were from Fry's and went onto their Fry's Store Credit Card. Had to pay the minimum payments for two years and then paid off the balance on the last bill. Special financing best buy carpet was actually financed through Mohawk (carpet company) who outsourced the financing on a credit card through GE Bank (who knew they had a bank!). It was zero interest and zero payments for 2 years. Waited 23 months and paid the whole thing off without any trouble.

    Fry's credit was pretty good about everything (auto-pay was easy), except the promotion expired about two weeks before special financing best buy 24th payment was due (the billing cycle started about two weeks after the purchase). I send an extra payment a week or so early, but had I waited for my bill due date I would have been hit with a bunch of interest. You can do this if you are vigilant about understanding the terms and paying it off on time.

  • M J avatar

    Posted on May 11th, 2012, 11:11 PM,User Since 134 months ago, User Post Count: 8050

    • May 11th, 2012, 11:11 PM
    • 134 months
    • 8050

    I went ahead and set my account up to do auto payments of like $30 a month for 11 months or something and would have had my bill paid off.

    Minimum payment was $25 every month but the month after x-mas, some how they bumped it to $33 for the month, 1 month BEFORE my bill would have been entirely paid off, so I made my $30 on auto pay. Since it was $3 short I then got hit with all the backed interest, complete joke if you ask me, won't ever buy anything from Best Buy again, freaking scam.

  • ErnestScribbler avatar

    Posted on May 11th, 2012, 11:16 PM,User Since 121 months ago, User Post Count: 78

    • May 11th, 2012, 11:16 PM
    • 121 months
    • 78

    credit card is legit, just don't get the account shield plus, wish I wasn't paying for that nonsense.

    just pay it off on time and dont be late.

  • JohnnyCostanza avatar

    Posted on May 11th, 2012, 11:23 PM,User Since 131 months ago, User Post Count: 3391

    • May 11th, 2012, 11:23 PM
    • 131 months
    • 3391

    You can cancel that anytime. I used to work at a Best Buy and they would push the Account shield on us as hard as trying to get us to buy $80 HDMI cables. Like the others have said, as long as you pay the monthly minimum and have it paid off before it's due you'll be fine. From what I experienced the biggest issue people had was actually getting the card. I had to turn quite a few people down for it because of credit issues.

  • Ron Jeremy avatar

    Posted on May 12th, 2012, 12:00 AM,User Since 175 months ago, User Post Count: 5916

    • May 12th, 2012, 12:00 AM
    • 175 months
    • 5916

    I bought two big screen TV's, a desktop and two laptops, and my washer and dryer using Best Buy financing. Make the payments on time, no issues. american holidays in october 2020 would rather throw them $50 a month over 2-4 years interest free than pay the lump sum upfront. My TV's were on 36 and 48 month contracts. Computers were 24 months, the washer and dryer were 36 months.

    I love buying stuff this way, interest free and I can pay them a little at a time.

  • rob avatar

    Posted on May 12th, 2012, 1:23 AM,User Since 222 months ago, User Post Count: 8587

    • May 12th, 2012, 1:23 AM
    • 222 months
    • 8587

    Not true. Read the billing statement, they special financing best buy you that money's paid are first applied against the first to become due.

  • VegasSpartan avatar

    Posted on May 12th, 2012, 1:24 AM,User Since 131 months ago, User Post Count: 258

    • May 12th, 2012, 1:24 AM
    • 131 months
    • 258

    So you didn't pay the minimum on your statement one month and somehow it's a scam?

    EDIT: Shot in the dark here but I bet your minimum pmt went up because you used your best buy card to purchase xmas gifts and increased your balance. Regardless, you didn't pay what they told you to pay.

  • M J avatar

    Posted on May 12th, 2012, 2:37 AM,User Since 134 months ago, User Post Count: 8050

    • May 12th, 2012, 2:37 AM
    • 134 months
    • 8050

    Nope, made 1 purchase of a laptop, was told minimum payments were going to be $25 a month.

    Never made another purchase on the card, minimum payments were $25 EVERY Month, exactly what a Best Buy Employee told me they would be, as I had the auto pay set up to deduct the money on the same day every month. 1 month before it was to be paid off, the minimum payment randomly goes up $8 (to $33), then back to $25 the following month.

    I do this same thing with all my credit cards, NEVER had a problem ever with anyone setting up the auto payments, except Best Buy, and from what I have heard, this isn't the first time this has happened to people.

  • Spartan_MD avatar

    Posted on May 12th, 2012, 6:44 AM,User Since 131 months ago, User Post Count: 571

    • May 12th, 2012, 6:44 AM
    • 131 months
    • 571

    I've done it before, but I always pay it off earlier. So for your example I'd pay it off in 16 months for $31.25 ( a mere $3 per month more) using the auto pay of your bank. Then check at month 17 that its paid off and close the card.

    Repeat PRN.

  • blujay40 avatar

    Posted on May 12th, 2012, 7:08 AM,User Since 131 months ago, User Post Count: 112

    • May 12th, 2012, 7:08 AM
    • 131 months
    • 112

    I have been doing this for years.

    Just know that your minimum payment due will be allocated proportionally over all "categories" of purchases regardless of whether they are promotional ones or not and without regard to which ones might be expiring first. Then, any overpayment above the minimum payment due will be posted to the account with the highest interest rate UNLESS you are within 2 months of a promotional plan expiring. Then any overpayment will go to those balances first. So if you don't want to monitor your statement every month, the smart thing to do is to NOT carry a balance other than a promotional one.

    Here is a direct quote from my statement:

    "We apply the amount of your payment equal to the Minimum Payment Due at our discretion and generally to the Minimum Payment Due calculated on each credit plan. We apply any payment in excess of the Minimum Payment Due on your account to the higher APR balances before lower APR balances. If you have a Same As Cash Plan(s), we will automatically apply payments received during the final two complete billing cycles and up to the date of expiration first to the required Minimum Payment Due and next to the plan(s) that is expiring, in order of expiration; at other times, we will treat your Same As Cash Plan as having a 0% APR for the purposes of determing payment application."

    HTH

  • Trevor Barnes avatar

    Posted on May 12th, 2012, 7:27 AM,User Since 176 months ago, User Post Count: 17594

    • May 12th, 2012, 7:27 AM
    • 176 months
    • 17594

    Well they certainly beat Blue Hippo's financing.

  • Ham Porter avatar

    Posted on May 12th, 2012, 8:29 AM,User Since 131 months ago, User Post Count: 6943

    • May 12th, 2012, 8:29 AM
    • 131 months
    • 6943

    I think the real question here is why you would buy something at Best Buy.

  • ErnestScribbler avatar

    Posted on May 12th, 2012, 8:37 AM,User Since 121 months ago, User Post Count: 78

    • May 12th, 2012, 8:37 AM
    • 121 months
    • 78

    I worked at Best Buy as well for several years, maybe I misunderstood the 60 day trial period, so you can cancel at anytime but only have the 60 days to get your account shield money back? Hmm.I am going to look into this. I always thought after that you couldn't turn it off.at least thats what we were told. What store did you work at Johnny?

  • Carl Carlson avatar

    Posted on May 12th, 2012, 8:42 AM,User Since 131 months ago, User Post Count: 291

    • May 12th, 2012, 8:42 AM
    • 131 months
    • 291

    Basically, what everyone is saying is true. I got a TV 36 months no interest, and will pay it off probably next month around month 30. DON'T MISS A PAYMENT and it works out great. Miss one payment you are screwed. Started paying on mine when I was a broke grad student and now realize it was a great idea since I never paid more than 75 a month as opposed to having paid $2,000 up front. I also realize this is why our country is in a credit crisis, buying things you can't afford, but be responsible and you will be fine.

  • AASpartan avatar

    Posted on May 12th, 2012, 8:53 AM,User Since 224 months ago, User Post Count: 14842

    • May 12th, 2012, 8:53 AM
    • 224 months
    • 14842

    I wouldn't have posted it if that wasn't exactly the way that it occurred to me. It may have changed now, but it most definitely wasn't that way before.

Источник: https://247sports.com/Board/93/Best-Buy-Financing-Anyone-try-it-9546197/
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While other retailers such as Circuit City and Radio Shack have shuttered their doors, Best Buy stands as one of the last nationwide bastions in the electronics space. For loyal Best Buy customers, the My Best Buy Visa card is a good deal as far as retail cards go. Frequent visitors to the merchant are likely to relish a 5 percent rewards on all Best Buy purchases, along with decent rewards at gas stations, restaurants and grocery stores.

The card also offers promotional financing offers, access to special sales and decent sign-up benefits. However, a limited redemption program and high APR mean customers who don’t shop at the chain on a frequent basis should probably steer in the direction of a general-purpose rewards card.

Good earnings scheme

Few store-branded cards provide the ability to earn rewards with purchases made elsewhere, but that’s not the case with the My Best Buy Visa Card. In addition to 5 percent back in rewards on Best Buy purchases (6 percent in rewards for Elite Plus cardmembers), My Best Buy Visa cardholders enjoy 3 percent back on gas purchases, 2 percent back on grocery and dining purchases and 1 percent back on everything else.

The card also sometimes offers limited-time bonus rewards in additional categories. For example, in 2020, cardholders had a limited time to earn 10 percent back in rewards on pharmacy and drug store purchases and 5 percent back in rewards on wholesale club purchases, upon activation.

As long as you don’t mind using your rewards at Best Buy, this could be a pretty lucrative rewards scheme, especially for gamers, tech junkies or anyone else who spends a lot of time at electronics stores. For example, if you were lucky enough to snag a coveted Playstation 5 and spent $500 with your My Best Buy Visa Card, you’d earn back 1,250 points, worth $25 in purchases at Best Buy – enough for a three-month Playstation Plus subscription.

Thanks to its bonus rewards categories outside of Best Buy, we estimate that the My Best Buy Visa Card carries an average rewards rate of 1.79 points per dollar. This means that if your spending matched that of the average person, you’d stand to earn approximately 28,461 points per year with the My Best Buy Visa Card. Your points are worth 2 cents apiece, so this would add up to nearly $570 in rewards when redeemed at Best Buy.

The card also features a miniature sign-up bonus of 10% back in rewards on your first day of purchases when you’re approved for the card. You must make your first purchase within 14 days of approval to take advantage of this bonus, however.

Special financing deals

In lieu of rewards, cardholders can opt for promotional financing. Though Best Buy may occasionally offer special financing on specific items for terms as long as 60 months, the card’s standard benefit is six-month financing for purchases greater than $199 and 12-month financing for purchases greater than $399.

That said, keep in mind that interest will be charged to your account from the date of purchase if the balance isn’t paid in full by the end of the promotional period. So, tread lightly and don’t choose this alternative unless you’re confident you can make the necessary monthly payments to bring your promotional balance down to $0 by the time the clock runs out.

Card options vary

Though the My Best Buy Visa Platinum credit card has no annual fee, that doesn’t mean you won’t end up paying one. If your credit excludes you from the top-tier Platinum card, you’ll be considered for other cards in the following order: My Best Buy Credit Card Preferred; My Best Buy Credit Card; and My Best Buy Visa Gold. The bad news? The My Best Buy Credit Card (both regular and preferred) are store-only cards, so you won’t earn rewards on dining and general purchases as you would with the Platinum card.

Meanwhile, the My Best Buy Visa Gold card comes with a $59 annual fee. If this is the only card for which you qualify, you’ll need to spend nearly $1,300 annually to make up for the added expense – so consider your overall spending habits before signing on the dotted line.

Limited redemption

Despite the card’s flexible rewards, its redemption program is rather restrictive. While the Platinum card enables you to earn rewards outside of Best Buy, reward points – no matter where they’re accrued – are only redeemable at the electronics retailer. Also, the rewards come in the form of email certificates, which are issued once you reach 250 points (equal to $5). These certificates have very short expiration dates – they expire after just 60 days – so you need to shop at Best Buy at least every two months in order not to lose out on your rewards.

If you are unlikely to visit Best Buy frequently and/or do not want to have to keep track of rewards certificates, you may be better off with a lower maintenance cash back card – such as the Citi® Double Cash Card – that will allow you to earn cash back on your Best Buy purchases without imposing expiration dates on your rewards.

On the plus side, reward certificates can be stacked with other deals and discounts and are automatically emailed when you reach 250 points, so there’s no need to worry about losing paper certificates.

My Best Buy frequent shopper program

Becoming a My Best Buy Visa cardholder comes with enrollment in the store’s frequent shopper program, members of which are entitled to exclusive benefits such as free two-day shipping (with a $35 minimum purchase) and free Geek Squad setup. You can also earn rewards (0.5 points per dollar) without getting a credit card.

Spending $3,500 in a calendar year makes you an ElitePlus member, giving you access to 6 percent rewards on Best Buy purchases with the My Best Buy Visa Platinum credit card. You’ll also appreciate the extended period for returns and removal of the minimum purchase requirement for free shipping, among other perks.

Why get the My Best Buy Visa card?

  • You’re already a regular Best Buy customer.
  • You normally make electronics purchases elsewhere but are willing to switch for the rewards.
  • You don’t plan to carry a balance from month to month.
  • You shop frequently enough at Best Buy to use rewards certificates before they expire in 60 days.

How to use the My Best Buy Visa card:

  • Because of the card’s high APR, opt for deferred-interest financing over rewards if you’ll need more than a month to pay off a purchase.
  • That being said, beware of deferred interest associated with the card’s special financing offers. Interest is imposed retroactively if you still owe a balance on your purchase at the end of the promotional period.
  • Pay your regular balance in full every month to avoid paying higher-than-average interest.

Our reviews and best card recommendations are based on an objective rating process and are not driven by advertising dollars. However, we do receive compensation when you click on links to products from our partners. Learn more about our advertising policy

Источник: https://www.creditcards.com/reviews/my-best-buy-visa-card-from-citi-review/

Best Buy Card review

The Best Buy Card is a financing program that’s offered by Best Buy in partnership with Fairstone. It lets you finance a purchase and make monthly payments on it over the course of 3 to 24 months with 0% interest. However, you’ll still need is aldi open today easter pay an admin fee to get started. You’ll also have to pay interest on your purchase if you miss payments or don’t pay your purchase off by the end of your term.

30-second take

  • Get this card if you regularly shop at Best Buy special financing best buy don’t have the money upfront for a large purchase.
  • Choose something else if you’re not interested in financing a large purchase or you want more rewards and benefits with your card.
  • There’s no minimum annual income to qualify for this card listed on the website.

The Best Buy Card is a financing program that’s offered by Best Buy in partnership with Fairstone, a reputable Canadian lender. This card lets you finance large in-store purchases easily. From there, you’ll make monthly payments to pay off your purchase with 0% interest down until your term runs out.

Extended special financing best buy can be arranged in terms from 3 to 24 months, depending on the cost of your purchase. You’ll pay an admin fee to set up each plan, but you’ll only have to pay interest on your plan if you don’t pay your purchase off by the end of your term.

Which plans are available with the Best Buy Card?

The Best Buy Card offers three main financing options:

All of these financing plans are offered by Fairstone. When you sign up for a plan, you’ll be responsible for making your payments back to this lender.

Let’s say that you’re a university student and your laptop dies. You won’t have a lump sum of cash until the summer, but you can’t do your schoolwork without a computer. You decide to apply for a Best Buy Card so that you can finance a laptop at no-interest for 12 months. While you’ll still have to make monthly payments to pay off your balance, the benefit is your payments will be smaller and they will go towards your principal instead of interest.

How is this different from a normal credit card? With a typical card, you might pay around $112 in interest on a $1,000 purchase over the course of the year. With a Best Buy Card, you don’t pay any interest on your purchase until your term is up. Just be aware that you'll have to pay an admin fee of around $69.99 for a one-year term (or whatever fee applies to the term you sign up for).

In this scenario, you pay less with Best Buy financing than you would with a regular credit card. The caveat is that you’ll have to pay an admin fee plus 31.99% in interest on your purchase if you don’t pay your Best Buy Card off in full by the end of your term. This is much more than you would pay with a regular credit card.

  • Easy to qualify. You can find out if you qualify for the Best Buy Card in a matter of minutes when you apply online.
  • Flexible term lengths. You’ll be able to apply for the term length that best meets your needs (with terms ranging from six months to two years).
  • No interest on purchases. You won’t accrue any interest on your purchases unless you don’t pay them off in full by the time your terms ends.
  • Consistent monthly payments. It’s easy to budget for your payments since they’ll stay the same for the duration of your term.
  • Cheaper than a credit card. You’ll pay less with the Best Buy Card than you would with a regular credit card as long as you pay your purchase off in full by the due date.
  • Exclusive to Best Buy. You can only use your Best Buy Card to make purchases in-store at Best Buy.
  • No online account. You’ll only be able to access your account details on a paper statement that gets mailed to you monthly or by calling Fairstone directly.
  • High admin fee. You’ll pay a high admin fee to set up each financing term.
  • No insurance. This card doesn’t offer fraud protection, purchase insurance or extended warranty coverage.
  • Zero rewards. You won’t earn cashback or rewards on any of furniture stores edmond ok purchases.
  • Different plans in Quebec. You may not have access to all of the Best Buy Card financing options if you live in Quebec.
Eligibility requirements

To apply for a Best Buy Card you need to:

  • Be a Canadian citizen or permanent resident who is at least 18 years old (19 in some provinces).
  • In Quebec, you'll need to pay a $35 annual fee.
Required documents and information:
  • Your name, residential status and contact information.
  • Your social insurance number and date of birth.
  • Your email address and phone number.
  • Two valid pieces of ID in-store (or verify your ID online by signing in with your bank)

It takes as little as five minutes to apply for this card online. All you need to do is follow the steps below to get started:

  1. Visit the main site for the Best Buy Card and click on the blue button that says “Start your application.”
  2. This will open a new page with Fairstone, where you can click “Start” and then agree to the privacy terms and conditions.
  3. On the next page, you’ll be asked to sign in with your banking partner. If you don’t feel comfortable doing this, you can indicate that you don’t see your financial institution listed. This will let you apply for financing and then activate it in-store by showing two pieces of ID.
  4. Enter personal information such as your full name, residential address, residency status, birth date and email address.
  5. Input additional information such as your income, whether you rent or own your home and how much your monthly outstanding debts are.
  6. Consent to a credit check and wait to see if you get approved for financing.
  7. Make your monthly payments as scheduled until your term runs out.
Источник: https://www.finder.com/ca/best-buy-card
special financing best buy

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