All, if you look closely to what Kiejon posted, it is for Canadian consumers. The Best Buy Visa card is issued by JP Morgan Chase & Co. in CANADA. For all of us in the USA it (Rewards Zone MasterCard) is and always has been issued by HSBC.

I was under the impression that this site and its forum is for US consumers. And if Kiejon resides in the US as his profile states, I am confused and concerned that he is receiving offers for a Candian bankcard. I would assume that the offer would be requesting his Provence and Social Insurance Number as well......

Usually, GEMB Money Bank is good with issuing JCPenney Cards.

I applied for a Jcpenny card thinking it would be an easy approval because I have a walmart card. I got denied the reason being too many revoling accounts. I currently got some new accounts Kays Hooters and macys utilization is very low. Are they known to be one GEmb conservative cards?

Is that the "cat's meow" :

My research produced HSBC... Hey what the...?

Oh Kiejon, I see you are back and back at your old ways. The Best Buy Rewards Zone MasterCard has always been backed by HSBC and if I am not mistaken, it is a rather sub prime card. It is not a Chase card; I just checked Chase's website and no Best Buy card is issued by Chase.

BEST BUY REWARD ZONE™ VISA® PROGRAM - ("Reward Zone™ Visa® Program") TERMS AND CONDITIONS (Please review Best Buy Reward Zone™ Terms and Conditions for additional terms and conditions pertaining to the Reward Zone™ program.)Your Best Buy Reward Zone™ Visa® credit card account ("Credit Card Account") is issued by JPMorgan Chase Bank, N.A. (hereinafter "we", "our", "us", or "Chase") located in Toronto, Ontario. In these Best Buy Reward Zone™ Visa® Program Rules (hereinafter the "Rules"), "you" and "your" each mean the Chase cardholder in whose name the Credit Card Account is opened (hereinafter "Primary Cardholder"). GeneralUse of the Credit Card Account increases your ability to accumulate Points in the Reward Zone™ program. All the terms set out in the Best Buy Reward Zone™ Program Terms and Conditions ("Reward Zone™ Terms") will continue to apply except as set out in or amended by these Rules. Your participation in the Reward Zone™ Visa® Program through the use of the Credit Card Account is subject to the Reward Zone™ Terms as well as these Rules.

Points earned through use of the Credit Card Account will be applied to the Primary Cardholder's Points balance whether or not the transaction was made by an authorized user on the Credit Card Account and whether or not such authorized user has his or her own Membership in the Reward Zone™ Program.

Neither Points nor Certificates may be used to pay off or pay down any obligation you may have in respect of amounts owing on your Credit Card Account.
Earn Points Points earned through Membership in the Reward Zone™ program are as set out in the Reward Zone™ Terms. Additional Points earned through participation in the Reward Zone™ Visa® Program are as set out herein.

Members earn one additional Point (in addition to the Point that is earned pursuant to the Reward Zone™ Terms) for every $1.00 of Net Purchases, exclusive of tax, made using the Credit Card Account at Best Buy Canada store locations or online at BestBuy.ca. Members also earn one Point for every $1.00 of Net Purchases made, inclusive of tax, using the Credit Card Account other than at Best Buy Canada store locations or online at BestBuy.ca. In addition, certain limited-time promotions may be offered for purchases outside Best Buy that may enable members to earn additional Points. "Net Purchases" means any purchase of goods or services, excluding]Get Rewards [/B]For every 1,600 points you earn in the Reward Zone™ program, you will be eligible to receive a Certificate redeemable for a $20 discount off your future purchase of any qualifying products or services at participating Best Buy retail store locations. 1,600 points are automatically deducted from your Account for every $20 in Certificate value issued to you.

Certificates expire if not redeemed within 180 days from their date of issue. Membership Cancellation, Modification, Expiration and TerminationIf your Credit Card Account is closed, cancelled or terminated, your Membership may continue to exist separate from your closed, cancelled or terminated Credit Card Account, however only the Reward Zone™ Terms will apply. If your Membership is inactive, cancelled or expires and you later use your Credit Card Account, your Membership automatically will be reinstated but forfeited points will not be reinstated.

The Reward Zone™ Visa® Program is offered by Best Buy and Chase, each of whom reserves the right to cancel, modify, restrict, waive or terminate the Reward Zone™ Visa® Program or any aspect thereof at any time without prior notice.

Best Buy reserves the right to terminate your Membership at its sole discretion.

Reward Zone™ Visa® Program Responsibility Chase is not responsible for the quality and performance of any goods and/or services redeemed as a benefit of Membership and/or participation in the Best Buy Reward Zone™ program and/or the Reward Zone™ Visa® Program. Any disputes concerning Points shall not affect your obligation to repay any amounts owing in respect of your Credit Card Account.

Questions related to your Credit Card Account should be directed to the toll-free telephone number on the reverse of your credit card.

General Information BEST BUY, the BEST BUY logo and the tag design, BESTBUY.CA, REWARD ZONE, and other logos and taglines are the intellectual property of Best Buy Enterprise Services, Inc., used under licence. Chase and the Octagon symbol are registered trademarks of JPMorgan Chase & Co. used pursuant to licence. Visa® is a registered mark of Visa® International. These Rules are void where and to the extent prohibited by law. Taxes may apply where required by law.

Best Buy may, at any time, terminate or modify the Reward Zone™ program, the Best Buy Reward Zone™ Program Terms and Conditions, and these Best Buy Reward Zone™ Visa® Program Rules without any notice or further obligations to members. look at links
https://www.chase.com/index.jsp?pg_name=ccpmapp/chase_canada/home_en/page/rz_visa_terms
https://www.chase.com/ccp/index.jsp?pg_name=ccpmapp/chase_canada/customer_service_en/page/rz_cardmember_service
https://ccsic.fni-stl.com/cgi-bin/bestbuy_canada_internetp.pl
http://www.bestbuy.ca/marketing/bestbuycard/en/default.asp

Hello Network Has the best buy mc always been backed by Chase ???? cuz today I got a new card in the mail along with a letter telling me that My old card is know longer good and along with the new card I got CLI somebody help me here cuz I have to acc with best buy one by myself and a acc with my wife[/color]

Oh Kiejon, I see you are back and back at your old ways. The Best Buy Rewards Zone MasterCard has always been backed by HSBC and if I am not mistaken, it is a rather sub prime card. It is not a Chase card; I just checked Chase's website and no Best Buy card is issued by Chase.

Hello Network Has the best buy mc always been backed by Chase ???? cuz today I got a new card in the mail along with a letter telling me that My old card is know longer good and along with the new card I got CLI somebody help me here cuz I have to acc with best buy one by myself and a acc with my wife[/quote]

I would give them a call and talk to a manager. The front line reps won't know the answer to your question.

i dont know either. i dont have any other accounts that could have anything to do with them. only thing i can think of is the other card has to be open for an amount of time before you can open another. i have only had the household bank one for 3 or 4 months now

It's possible you have another card or loan with them and don't know. They could be offering their financial services with another company's name. Good luck.

thanks for the answer about elan financial service. i have another one. i got a pre-approval for an hsbc platinum cash back card...... in the terms and conditions it says you are allowed to have 2 open hsbc accounts at any time. i applied with my pre-approval and was denied because i already have the maximum amount of accounts with them. i only have one open account with them though. does the first account have to be open a certain amount of time?

AMEX is and always has been a prime lender. Therefore, you're going to need more than one credit card to get your foot into the door with them. The Capital One card is definitely a good deal. I'm assuming that the promo rate applies to both purchases and balance transfers. You rarely see that offer nowadays. In my opinion, it's definitely worth applying for it because you will need a second revolving account sooner or later and sooner is better than later.

Thanks Hjm331!

I applied and got a $1,000 limit. Also they said it will raise by $500 after 3-6 months of on-time payments, etc. I'll post a review once I receive the card. Also I'm not sure about the balance transfer rate, but currently I don't need any balance transfers. I'm planning on using the card for items for my new apartment soon.

Info... I was originally a Provdian Bank Card Holder (sub sub-prime low life bank card bank) taken over by WAMU who treated me right. Then Chase took me in and I have a personal Chase Visa Bank Card with Flexible Rewards earn 1 point for every category with $13.5 CL (int 12.9% APY) and a Chase Freedom Business Bank Card 3 points every month in your most used three business categories, $10K CL (int 12.9% APY). Chase has just added "Blue Print" to my business account. They have been treating me all right. Love the points...! Treat Chase right and they will be good. Note, Chase does NOT like BK's and generally will not underwrite people who have them on their credit bureau reports.

Update on Chase Freedom CC "accidental" application:

Thanks to smcc's suggestion of calling the Customer Service, I have good news to share. =)

I searched through the forum for a Chase backdoor # & saw that they have a # for Application Status. So I called the number and got automatic voice messages... after pressing all the numbers in the menu to get to my application status, I heard the recorded voice response that went something like this]Bank of America Student Platinum Visa[/B] = $800 CL (applied and approved in the bank last July 2008)

JC Penney CC = $700 CL (applied in-store and approved instantly on Dec 26 2009) will receive actual card in 7-10 business days

Walmart CC = $400 CL (applied in-store and approved instantly on Dec 27 2009) will receive actual card in 7-10 business days

Capital One Platinum MasterCard = unknown CL -scared to call and ask[/quote]Chase Freedom[/B] (I don't know if it's Visa/Mastercard) = $1700 CL (got a Pre-Approved offer from the ATM, tapped "yes" from the screen accidentally, called to find out application status, approved accdg to the automated voice message, Dec 31 2009) will receive actual card within 7-10 business days

whew! i think I've become addicted to credit card shopping/application since I discovered and joined this site![/quote]hjm331, Meya, Kiejon9, Wanderer & smcc[/B]. I've always been scared of applying for credit but since I encountered all the posts, reviews and other articles in this website/forum, my life has changed... ;p

cheers!

Happy New Year everybody!!!

How long have you been a customer with Chase ? Your credit might not be "excellent" but I am assuming you have a great relationship with them, i.e., all accounts are current with no late payments, no overdrafts, etc.. If you truly don't want the card, call Customer Service and let them know your of your change of mind As far as the hard hit already being performed, you could be too late but Customer Service will be able to let you know.........

I've been a WaMu customer since 2005, then it became Chase. Before I had a lot of accounts at WaMu (Checking, Savings, CDs, Money Market), but I've been closing them one by one when the interest rates began dropping, but I left my Free Checking Account because I liked the perks (free checkbooks for life, no minimum balance required), then WaMu became Chase.