If your credit is "bad" (under 600), you will likely be denied the store card. Progressive Leasing is an accessible backup, but it is much more expensive. Experts from WalletHub suggest checking your score before applying to avoid an unnecessary hard pull on your credit report. How Does Best Buy Financing Work?

: If you fail to pay the balance in full by the end of the promotional period, interest is charged retroactively from the original purchase date . For those with bad credit, this high interest rate can be financially damaging.

: While accessible, the total cost to own the item through a lease is significantly higher than the retail price.

The My Best Buy® Credit Cards are managed by Citibank and generally require (typically a score of 640+ ) for approval.

Best Buy financing options for those with less-than-ideal credit typically fall into two categories: the standard store credit cards and alternative lease-to-own programs. If your credit score is below , you may find it difficult to qualify for their traditional credit cards. Best Buy Store Credit Cards