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He reached into his wallet and pulled out his . He’d had it for two years with a modest $2,000 limit—enough for a laptop and some headphones, but not enough for the "Ultimate Home Theater" dream he was currently eyeing.

As the blue-shirted associate began wheeling the massive box toward the checkout, Mark felt that specific rush of a plan coming together. He’d play the long game: pay it off in chunks, keep his credit healthy, and finally watch the big game in 4K. best buy credit card increase

The fluorescent hum of the Best Buy appliance aisle always felt like a second home to Mark. Today, however, he wasn’t just browsing; he was staring at the 85-inch QLED TV that cost more than his first car. He reached into his wallet and pulled out his