Problems - Best Buy Credit Card

: The "0% interest" promotions are often deferred interest, not 0% APR.

One missed or partial payment can immediately trigger hundreds of dollars in back-dated interest.

: While high limit increases are possible, they often require a hard credit pull , which can temporarily lower your credit score.

: Cardholders frequently report login failures on the Citi portal due to: Verification codes (2FA) not being sent. Syncing errors with third-party apps like Quicken .