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Circuit city credit card customer service

circuit city credit card customer service

For other business license matters, contact the City of Payments may be made by credit card over the phone by calling (703) 746-4044. How do I contact BDO Securities Customer Support? In the event of loss of creditdebit card. If your Citibank card is Chase Credit Card customer service is available by phone, secure email or at a branch.
circuit city credit card customer service

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Circuit city credit card customer service -

WILMINGTON, Del. — Chase Card Services, a unit of JPMorgan Chase & Co., said Thursday it is notifying 2.6 million Circuit City credit card holders that computer tapes containing their personal information were mistakenly thrown in the trash.

After an investigation by federal and local authorities, Chase said it believes the tapes — which were stored in a locked box and contained some card holders’ Social Security numbers — were compacted, destroyed and buried in a landfill.

The company said it has been monitoring the affected accounts, including current and former card holders, and has not found any misuse of personal information.

“We deeply regret that this has occurred and apologize to those impacted,” said Chase Card Services Chief Executive Rich Srednicki, in a statement. “The privacy of our customers’ personal information is of utmost importance to us, and we take the responsibility to safeguard this information very seriously.”

Circuit City, based in Richmond, Va., is the nation’s third-largest consumer electronics retailer.

Chase Card Services said it would notify customers over the next two to three weeks and will offer a one-year free credit monitoring service to those card holders whose Social Security numbers were on the tapes.

There have been numerous cases of data loss and data theft in recent months, mainly when computers went astray or tapes did not get properly archived. In some instances, the computers of merchants or financial institutions were hacked.

One of the biggest data losses occurred over the summer, when a computer containing the name of millions of U.S. military veterans and active-duty troops was stolen from the home of a Department of Veterans Affairs worker; the computer later was recovered.

Because the data often includes Social Security numbers, victims worry that thieves could steal their identity, either by opening accounts in their names or raiding existing accounts.

An increasing number of companies who lose personal data have begun offering free credit monitoring to victims to try to limit identity theft.


Didn't pay your Macy's bill? Expect a text from Citigroup

NEW YORK (Reuters) - When consumers have trouble making ends meet, bills from retailers that have gone bankrupt or closed tend to go toward the bottom of the pile.

The trouble for lenders like Citigroup Inc is that the debt is actually owed to them.

Citigroup, the fourth-largest U.S. bank by assets, said on Friday that it is having trouble collecting on store-branded cards, which is leading to higher losses.

To reverse that trend, the bank has been stepping up its outreach to shoppers who finance purchases from chains like Macy’s and Sears with Citigroup store-brand credit cards which the bank has stood behind for more than a decade. The bank recently doubled the number of text messages it sends to borrowers.

“We’ve begun to see some evidence of progress, but it’s slower than what we had originally targeted,” said Chief Financial Officer John Gerspach.

He expects to charge-off 4.6 percent of the store-branded credit card portfolio this year, up from an earlier forecast of 4.35 percent.

Credit cards is the only major consumer business in the United States that Citigroup has been trying to grow since refashioning itself after the 2008 financial crisis. It is an important lever for Chief Executive Officer Michael Corbat to hit financial targets he has not yet met.

Store-branded cards are a special focus for Citigroup because they have generated strong profits lately. Last year, that slice of the card business contributed $1.26 billion worth of profits for Citigroup, some 8.4 percent of income from continuing operations across the entire bank.

Investors and analysts have started to worry that Citigroup will experience ripple effects from growing problems in the brick-and-mortar retail sector, where bankruptcies, store closures, emergency financing and distressed acquisitions have become the norm.

Citigroup appears to be most at risk from relationships with Macy’s Inc, Sears Holdings Corp, Office Depot Inc and Staples Inc, Moody’s Investors Service said in a recent report. Moody’s expects such chains to be closing stores in coming years.

The cards Citigroup issues for those chains often cannot be used elsewhere, so when stores close, customers are likely to spend and borrow less, analysts said.

Another problem: Retailers generally expect banks to lend to less creditworthy customers than they do with general purpose cards. While retailers share in losses, they are ready to take more chances on loans in order to sell more merchandise, especially when they are struggling to generate revenue.

People with FICO credit ratings of less than 660, which some consider the bottom for prime borrowers, accounted for 25 percent of money owned to Citigroup on store-branded cards as of the end of March. That was twice the proportion inside the rest of the card portfolio, which carries the Citi brand.

Citigroup has been trying to transition some store-brand cards to the type that can be used at other merchants. The broader purpose store cards now represent one-third of the bank’s retail services business, Gerspach said.

And while collections have gotten more difficult, Gerspach was optimistic that customers are still shopping, with spending up 2 percent on store-branded cards during the second quarter compared with the year-ago period. Gerspach said the spending increase shows store closings are not affecting the business.

Charles Peabody of Compass Point Research & Trading predicts Gerspach will have to raise loss estimates again before year-end. Citigroup’s biggest competitor in private label store cards, Synchrony Financial, now expects losses in the 5-to-low-5 percent range, up from earlier guidance of between 4.75 percent and 5 percent, he noted.

Synchrony and Citigroup together have two-thirds of the market as measured by outstanding balances, according to The Nilson Report. (

Citigroup’s big bank rivals in general purpose credit cards do not compete in private label store cards. JPMorgan Chase & Co exited the business after headaches from issuing cards for Circuit City, an electronics retailer that went belly up.

Citigroup also considered jettisoning its store-branded business as its loss rates hit 12 percent during the Great Recession. But it could not find a buyer at the right price, and within a few years it had started to produce attractive returns again.

By 2013, Corbat was bolstering the business by acquiring a loan portfolio pegged to cards used at electronics retailer Best Buy, which is generally seen as coping well with the shift to internet sales.

Competition for deals with the more promising retailers has heated up since then. When Citigroup renewed its deal with Home Depot Inc last year, it had to make concessions to the retailer. Income from the business dropped 17 percent in 2016.

Picking the right retailer partners can be tricky when even iconic brands are struggling to survive, said Brian Foran, a bank analyst at Autonomous Research.

“The broad thing that investors are struggling with,” he said, “is the future growth of this business, and what happens when retailers go bankrupt.”


Man Can't Track Down Phantom Circuit City/Chase/Best Buy Credit Card

Ah, the perils of having a credit card issued by an electronic store that dies a slow, painful death, only to come back, haunt you and resist all attempts at seances and exorcisms.

Such is former Circuit City credit card holder Jesse’s plight:

I held a Circuit City store card for about two years, rarely using it but keeping it around for the fairly substantial credit limit. When the store closed, I waited to hear what would become of the card, as a closed account would drastically reduce my available credit and ding my credit rating.

From the close of the store through the beginning of May, I heard nothing from Chase. I contacted them through their online form, where I was informed that a Chase Visa with the same limit would be sent to my home within 7-10 business days. Three weeks later, nothing. I contacted them again via the online form, and was informed a replacement card with a new account number would be sent in 3-5 business days. Again, nothing.

I called in June, and was informed that my card was switching over to a Best Buy store card. Not what I wanted, but it was something. I was told to expect the card in 7-10 business days. I called again about ten days ago, informed them that I had not received a thing, and was told that another replacement card was being sent in 3-5 business days.

I called today, after two straight months of having received absolutely nothing, and was informed that my account had been closed for “business reasons” on June 24th, with no notification or warning to me. A letter was allegedly sent, but like everything else, I’ve received absolutely nothing. This of course affects my credit rating, but more importantly, I was misled multiple times about the nature of my relationship with the bank both via e-mail and through their live representatives, and I have no idea if there are cards or accounts open floating in the ether, because they won’t tell me how many other accounts I have with the bank unless I can give them the last four digits of card numbers that I don’t have and never received.

A few days later, Jesse tried logging on to his new account:

They’ve still sent me nothing – they told me that a letter was sent out on June 24th, but I still haven’t heard anything else. Interestingly, when I go to and log in with my old Circuit City information, I have an open account with a $0 balance and a current due date. When I call Chase about this card, they tell me that it doesn’t exist and that the account was closed.

I’m totally confused.

Sounds like Best Buy and Chase are just as confused as Jesse. What is he to do, commenters?

(Photo: FastFords)

Want more consumer news? Visit our parent organization,Consumer Reports, for the latest on scams, recalls, and other consumer issues.


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Chase Bank Settles Suit Over 'Circuit City' Credit Cards

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While other retailers such as Circuit City and Radio Shack have shuttered their doors, Best Buy stands as one of the last nationwide bastions in the electronics space. For loyal Best Buy customers, the My Best Buy Visa card is a good deal as far as retail cards go. Frequent visitors to the merchant are likely to relish a 5 percent rewards on all Best Buy purchases, along with decent rewards at gas stations, restaurants and grocery stores.

The card also offers promotional financing offers, access to special sales and decent sign-up benefits. However, a limited redemption program and high APR mean customers who don’t shop at the chain on a frequent basis should probably steer in the direction of a general-purpose rewards card.

Good earnings scheme

Few store-branded cards provide the ability to earn rewards with purchases made elsewhere, but that’s not the case with the My Best Buy Visa Card. In addition to 5 percent back in rewards on Best Buy purchases (6 percent in rewards for Elite Plus cardmembers), My Best Buy Visa cardholders enjoy 3 percent back on gas purchases, 2 percent back on grocery and dining purchases and 1 percent back on everything else.

The card also sometimes offers limited-time bonus rewards in additional categories. For example, in 2020, cardholders had a limited time to earn 10 percent back in rewards on pharmacy and drug store purchases and 5 percent back in rewards on wholesale club purchases, upon activation.

As long as you don’t mind using your rewards at Best Buy, this could be a pretty lucrative rewards scheme, especially for gamers, tech junkies or anyone else who spends a lot of time at electronics stores. For example, if you were lucky enough to snag a coveted Playstation 5 and spent $500 with your My Best Buy Visa Card, you’d earn back 1,250 points, worth $25 in purchases at Best Buy – enough for a three-month Playstation Plus subscription.

Thanks to its bonus rewards categories outside of Best Buy, we estimate that the My Best Buy Visa Card carries an average rewards rate of 1.79 points per dollar. This means that if your spending matched that of the average person, you’d stand to earn approximately 28,461 points per year with the My Best Buy Visa Card. Your points are worth 2 cents apiece, so this would add up to nearly $570 in rewards when redeemed at Best Buy.

The card also features a miniature sign-up bonus of 10% back in rewards on your first day of purchases when you’re approved for the card. You must make your first purchase within 14 days of approval to take advantage of this bonus, however.

Special financing deals

In lieu of rewards, cardholders can opt for promotional financing. Though Best Buy may occasionally offer special financing on specific items for terms as long as 60 months, the card’s standard benefit is six-month financing for purchases greater than $199 and 12-month financing for purchases greater than $399.

That said, keep in mind that interest will be charged to your account from the date of purchase if the balance isn’t paid in full by the end of the promotional period. So, tread lightly and don’t choose this alternative unless you’re confident you can make the necessary monthly payments to bring your promotional balance down to $0 by the time the clock runs out.

Card options vary

Though the My Best Buy Visa Platinum credit card has no annual fee, that doesn’t mean you won’t end up paying one. If your credit excludes you from the top-tier Platinum card, you’ll be considered for other cards in the following order: My Best Buy Credit Card Preferred; My Best Buy Credit Card; and My Best Buy Visa Gold. The bad news? The My Best Buy Credit Card (both regular and preferred) are store-only cards, so you won’t earn rewards on dining and general purchases as you would with the Platinum card.

Meanwhile, the My Best Buy Visa Gold card comes with a $59 annual fee. If this is the only card for which you qualify, you’ll need to spend nearly $1,300 annually to make up for the added expense – so consider your overall spending habits before signing on the dotted line.

Limited redemption

Despite the card’s flexible rewards, its redemption program is rather restrictive. While the Platinum card enables you to earn rewards outside of Best Buy, reward points – no matter where they’re accrued – are only redeemable at the electronics retailer. Also, the rewards come in the form of email certificates, which are issued once you reach 250 points (equal to $5). These certificates have very short expiration dates – they expire after just 60 days – so you need to shop at Best Buy at least every two months in order not to lose out on your rewards.

If you are unlikely to visit Best Buy frequently and/or do not want to have to keep track of rewards certificates, you may be better off with a lower maintenance cash back card – such as the Citi® Double Cash Card – that will allow you to earn cash back on your Best Buy purchases without imposing expiration dates on your rewards.

On the plus side, reward certificates can be stacked with other deals and discounts and are automatically emailed when you reach 250 points, so there’s no need to worry about losing paper certificates.

My Best Buy frequent shopper program

Becoming a My Best Buy Visa cardholder comes with enrollment in the store’s frequent shopper program, members of which are entitled to exclusive benefits such as free two-day shipping (with a $35 minimum purchase) and free Geek Squad setup. You can also earn rewards (0.5 points per dollar) without getting a credit card.

Spending $3,500 in a calendar year makes you an ElitePlus member, giving you access to 6 percent rewards on Best Buy purchases with the My Best Buy Visa Platinum credit card. You’ll also appreciate the extended period for returns and removal of the minimum purchase requirement for free shipping, among other perks.

Why get the My Best Buy Visa card?

  • You’re already a regular Best Buy customer.
  • You normally make electronics purchases elsewhere but are willing to switch for the rewards.
  • You don’t plan to carry a balance from month to month.
  • You shop frequently enough at Best Buy to use rewards certificates before they expire in 60 days.

How to use the My Best Buy Visa card:

  • Because of the card’s high APR, opt for deferred-interest financing over rewards if you’ll need more than a month to pay off a purchase.
  • That being said, beware of deferred interest associated with the card’s special financing offers. Interest is imposed retroactively if you still owe a balance on your purchase at the end of the promotional period.
  • Pay your regular balance in full every month to avoid paying higher-than-average interest.

Our reviews and best card recommendations are based on an objective rating process and are not driven by advertising dollars. However, we do receive compensation when you click on links to products from our partners. Learn more about our advertising policy


: Circuit city credit card customer service

Circuit city credit card customer service
circuit city credit card customer service


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