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Super Contributor
Ron1
Posts: 5,208
Registered: ‎05-23-2009
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Do you want to apply inside the store for 10%-15% discount during Christmas?

Do you want to apply for the store card to get 10%,15% discount inside the store duringChristmas? I went to AE, BB, Old Navy and others and they all asked if I want to apply for the card. I told them I already have the card. I think it might be easier to get approved inside the store. I might want to apply inside the store back 10-20 years ago.


Ron. 

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pkosheta
Posts: 99
Registered: ‎08-13-2008
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Re: Do you want to apply inside the store for 10%-15% discount during Christmas?

The lure of discounts can be very tempting, giving in once may be ok, but with so many other cards with better sign-up bonuses there is a better deal to be found.  Nancy Reagan gave the best advice.  "Just Say No."  She was refering to store cards right?

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Super Contributor
Ron1
Posts: 5,208
Registered: ‎05-23-2009
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Re: Do you want to apply inside the store for 10%-15% discount during Christmas?


pkosheta wrote:

The lure of discounts can be very tempting, giving in once may be ok, but with so many other cards with better sign-up bonuses there is a better deal to be found.  Nancy Reagan gave the best advice.  "Just Say No."  She was refering to store cards right?


I did it once inside the store many years ago. It was Old Navy store card. 

 

 

Ron.

Valued Contributor
daybreakgonesXe
Posts: 1,855
Registered: ‎11-17-2012
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Re: Do you want to apply inside the store for 10%-15% discount during Christmas?

[ Edited ]

Ron1 wrote:

Do you want to apply for the store card to get 10%,15% discount inside the store duringChristmas? I went to AE, BB, Old Navy and others and they all asked if I want to apply for the card. I told them I already have the card. I think it might be easier to get approved inside the store. I might want to apply inside the store back 10-20 years ago.


Ron. 


When it comes to store cards that do not have good deals online, or you can risk a hard pull and sans the shopping cart trick, and you actually REALLY want the card and will shop at that store frequently, then I would highly recommend applying in store. There are many benefits to this:

 

1.) Instant approval and use of the card to use in store, online, whenever! The beauty of temp cards, plus you have your CC# at hand immediately. Also you have the option of paying your card at the register as soon as you want!

2.) Instant promos, and if the card is a rewards card, immediate accumulation of points. For example, the JCP card offers 20% at account opening with 10% on jewelry, watches, and home, good for 24 hours. Using the card immediately gives you these discounts PLUS accumulation of reward points. Every $100 = $10 coupon for the next month, up to $100 worth of coupons every month.

3.) Building a relationship with a salesperson(s). As a JCP employee, opening up an account for a customer lets me bond with that customer! While opening up the account, we tend to chichat about the card, the store, and life in general! Also, we like that extra $2 in our paycheck plus recognition from the company! It makes us happy, and happy associates mean happy customers! Plus, if I've adequately bonded with that customer, and I see them again, I immediately go to them and help them out, and vise versa. They know I'm there to help and wind up having a positive experience at the store!

 

That's my two cents :smileytongue: Also, in the application process at JCP, though I've never ever used it (likely something they do more for furniture, which our store doesn't have), they have a "pending amount" option. So if you know a customer has $500 worth of purchases sitting there and it would make or break the sale if they get approved or not, entering the pending amount will result in a more likely chance of approval for a line of that amount or greater. Also benefits the customer, knowing they have the spending power they desired!

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Super Contributor
Ron1
Posts: 5,208
Registered: ‎05-23-2009
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Re: Do you want to apply inside the store for 10%-15% discount during Christmas?

Many neighbor applied for the store cards for the discounts. She ended up 10-15 stores cards inside her wallet. :smileyhappy:  I got the store cards because the discount coupons and private sale. Other than it is not really usefully.  Store cards is good for credit rebuilding. It is easier than Visa/MC.

 

Ron.

Regular Contributor
tengtengvn
Posts: 249
Registered: ‎01-18-2009
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Re: Do you want to apply inside the store for 10%-15% discount during Christmas?

For me, I save my credit for bigger thing than toy store cards.

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flowfaster
Posts: 787
Registered: ‎08-30-2011
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Re: Do you want to apply inside the store for 10%-15% discount during Christmas?

Google slickdeals.  You don't need a credit card to get 15-20%off.  ONGIFT is 15% for old navy.  The rest you have to search for yourself.  stack that with shop discover and you got a real deal.

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DailyDriver
Posts: 38
Registered: ‎09-12-2012
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Re: Do you want to apply inside the store for 10%-15% discount during Christmas?

[ Edited ]

I have not, but I know some people who have.  Although it is usually for a larger amount than 10%-15%.  The two most common for people I know are Macy's (always getting exclusive coupons in the mail) and Kohl's (a lot of time to get 30% off instead of 20%, you need the store card).

 

It seems like 10-20 years ago Sears was a good store card to have (and they were supposedly on the conservative side), but recent reviews appear negative.

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