: Applying triggers a hard credit inquiry , which can temporarily lower your credit score by about five points.

: Requires . While it can be used anywhere, it often carries an annual fee , making it easier to obtain for those with lower credit scores as the fee offsets lender risk. The Application and Reporting Process

: Requires . This "closed-loop" card can only be used for purchases at Best Buy and on BestBuy.com. My Best Buy® Visa Gold