Reply
Established Contributor
Dawn
Posts: 557
Registered: ‎10-07-2007

Credit Card Bootcamp

[ Edited ]
As if we didn't have enough "temptations" out there ... the merchants are out to get us!  :smileysurprised:
 
An inside source has informed us that management at a local department store is requiring those sales associates who do not meet their "credit card application quota" to attend "credit card boot camp" to encourage them to rethink the error of their ways.
 
DD#1 used to work there and said they previously required the employees (who weren't meeting credit app quotas)  to rotate being stationed at the store entrance and try to snag shoppers on their way into the store.  Now ... it's a several hour special training session they have to attend so they can be taught how to twist the arm of those who are not strong enough to resist their efforts.  One associate was so desperate to meet her quota, that knowing DD's B/F would get turned down before they ever submitted the application, she begged, pleaded and promised her first born child to him if he would PLEASE PLEASE just app for her.  :smileywink:
 
Major shopping season is upon us ... step into those stores knowing what you want and don't want.  Don't let 'em talk you into something you will regret later.  :smileyvery-happy:


Message Edited by denbar2003 on 11-10-2007 07:53 AM
Moderator Emerita
Community Leader
Epic Contributor
haulingthescoreup
Posts: 28,115
Registered: ‎04-01-2007

Re: Credit Card Bootcamp

Wow, another reason to shop online! Hope the BF realized he would pick up an inq...
* Credit is a wonderful servant, but a terrible master. * Who's the boss --you or your credit?
FICO's: EQ 781 - TU 793 - EX 779 (from PSECU) - Done credit hunting; having fun with credit gardening. - EQ 590 on 5/14/2007
Established Contributor
Dawn
Posts: 557
Registered: ‎10-07-2007

Re: Credit Card Bootcamp

[ Edited ]
The B/F respectfully declined app'ing.  :smileyvery-happy:
 
And ... I'm ready to shop online for more reasons than that.  Traffic will become HORRIBLE.  Moods and attitudes of shoppers (and sales associates) become intolerable.
 
AND ... if I hang onto the Chase Freedom World CCs (DHs and mine), they have a Rewards Plus program that gives additional bonus rewards for shopping online with MANY merchants I shop online with anyway.  There's even one online merchant (giftcertificates.com) that sells gift cards to many places that I would tend to get gift cards for.  Extra 5% for gift cards?!?  Extra rewards for things you were gonna do anyway?!?   This could get out of control fast!  :smileysurprised:


Message Edited by denbar2003 on 11-10-2007 07:50 AM

Message Edited by denbar2003 on 11-10-2007 07:51 AM
Frequent Contributor
PenguinGeek
Posts: 381
Registered: ‎09-26-2007

Re: Credit Card Bootcamp

I have been able to escape these folks by telling them, "I already have the card."

Maybe I could start saying now, "My name is ashabbir1, I already have the card."

:smileyvery-happy:
-------------------------

Hello, my name is, "PenguinGeek," and it's been 9 months since my last cc app and my score is now 34 points higher than when I app'd.
Moderator Emerita
Community Leader
Epic Contributor
haulingthescoreup
Posts: 28,115
Registered: ‎04-01-2007

Re: Credit Card Bootcamp


PenguinGeek wrote: Maybe I could start saying now, "My name is ashabbir1, I already have the card." :smileyvery-happy:
:smileyvery-happy: Oh, yeah...
* Credit is a wonderful servant, but a terrible master. * Who's the boss --you or your credit?
FICO's: EQ 781 - TU 793 - EX 779 (from PSECU) - Done credit hunting; having fun with credit gardening. - EQ 590 on 5/14/2007
Valued Contributor
Lady_Scarlet
Posts: 2,385
Registered: ‎09-10-2007

Re: Credit Card Bootcamp

Shopping online isn't any better - I was on HSN and using a MC for purchase and up came the screen "YOU ARE PRE-APPROVED FOR AN HSN CARD".... okay, I shop there alot and for years (and always in hundreds of dollars purchases, but primarily 'fexpay' items) so that could have been why - but it was tempting to keep it off the MC (and BTW they also have a co-brand with Visa from WAMU - don't know if they automatically convert after a period of time).
Now a member of the UNOFFICIAL 700 Club - Plus scores of 734-734-747
Valued Member
MisterTor
Posts: 38
Registered: ‎10-17-2007

Re: Credit Card Bootcamp

I stopped in the local Wal-Mart today, and there was a notice at the register that anyone applying for "Express Credit" (does anyone know what that is?) would get their names put in a drawing for an HDTV.  Assuming it was for the HSBC and I'd get turned down for already having one, I demurred.
Frequent Contributor
TheCynicalOne
Posts: 741
Registered: ‎11-05-2007

Re: Credit Card Bootcamp



PenguinGeek wrote:
I have been able to escape these folks by telling them, "I already have the card."

Maybe I could start saying now, "My name is ashabbir1, I already have the card."

:smileyvery-happy:


I'm going to name drop. Maybe I'll get special treatment for being ashabbir1.
Time is credit's best friend...it can heal any wound.

myFICO is the consumer division of FICO. Since its introduction 20 years ago, the FICO® Score has become a global standard for measuring credit risk in the banking, mortgage, credit card, auto and retail industries. 90 of the top 100 largest U.S. financial institutions use the FICO Score to make consumer credit decisions.

>> About myFICO
FICO Score - The Score that matters
Fair Isaac Corporation is a BBB Accredited Financial Service in San Rafael, CA
FOLLOW US Social Media Facebook Twitter Pinterest Google+