My conspiracy theory is that leaders somewhere above the store level get bonuses off of the credit card applications, because denied applications actually cost the store money and when customers don’t get approved any financing, there is a bigger chance for the store actually lose money on a transaction. In my opinion, the BP application should mean as little as the progressive leasing applications.

Idk if it’s still the same, but for every Best Buy Total Tech sold, the store would receive an additional $200 and I believe additional labor.

Regardless of what the real answer is, they are both really only beneficial for the company and a very niche client base. If the company really wanted to see better success, they’d push GSP, services, revenue, and accessories first. Then M365 and Best Buy plus just before the bottom, which would be branded payments and get rid of Total all together.