: You can often choose to purchase the item early at a discount or return it if you can no longer make payments. Review Summary My Best Buy® Store Card Progressive Leasing Credit Needed Fair to Good (640+) No Credit Score Required Interest/Fees 0% if paid in full (Promotional) High total cost of ownership Approval Odds Lower for "Bad Credit" Higher for "Bad Credit" Credit Building Reports to bureaus Generally does not report

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

: They do not strictly rely on credit scores for approval, making it an option for those with bad or no credit.

: Applying triggers a "hard inquiry," which may temporarily lower your score. However, consistent on-time payments can help rebuild your credit history over time. Lease-to-Own Alternative (Progressive Leasing)

: Offers include "no interest if paid in full" for periods such as 12, 18, or 24 months on qualifying purchases.

For customers who cannot qualify for a credit card, Best Buy partners with Progressive Leasing. This is not "financing" in the traditional sense, but a lease agreement.

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

: 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.