How many store cards do you have? Are they worth it? More Store Card Questions.**

[creditscoreEE]

Hi guys,
I am new to this credit card stuff. Currently have one secured. I wanted to know how many store cards do you guys have and are they worth it? Which ones are your favorite and your best recommendations? Do you pay these each in full every month? And how many times do you use them? I seen a show one day were they said store cards are not worth it because of there high interest so in very confused. I would really appreciate all of your suggestions and advice. Thanks.

[Burned2manybridgesB4]

I have one store card, and seven cc's, but keep the store card going with a purchase once every few months/PIF, just to keep "mix of credit."

Anything by GEMB, or Comeinty seems easy/common.

[creditscoreEE]

Lol cool that's awesome

[Burned2manybridgesB4]

The most popular here is the walmart card. Some have store, some have cobranded (runs on discover network, not a real discover), but the main perks are occasional 0% APR coupons, and a free montly TU08 fico score.

[halos24]

I have several store cards, many don't even use now simply got them at the time because they were easy to get and good cli. The ones I have found useful to me at least because of frequent shopping are: Target I always shop there and great to get the 5%. Gap is wonderful because I shop there for my baby on the way and my toddler rewards and coupons make it worth it. I guess the same I would say for the following with coupons: Macy's, Express, Amazon for the 0% on purchases. Of course APR is high, but if the discounts are worth it and PIF when you can these cards can also grow with you.

[creditscoreEE]

Thanks for the response I also love shopping at walmart and target this is really great to know.

[missjae]

I have several store cards because they were easy to get.  IMO, they aren't worth it if you want to carry a balance, but the ones I use, I try to PIF after using them.  My favorite is Kohl's because of the sales and 30% off coupons.  Target is another one I like because of the 5% discount.  The JCP card can be used at Rite Aid or CVS, but again, doesn't make sense if you have lower interest options.  Others don't really have any added benefits, and if they do, such as coupons, it is only worth it if you PIF.  Otherwise, interest charges will eat up your savings.

I've only had a problem or two with so many store cards because at one point, I didn't really have any major bankcards.  Then I would get denied for credit because I didn't have enough bankcard tl's.  However, that's changed and it's really no problem.  It helps my utilization and gives me some positive history.  I still have more store cards than bank cards, but I don't see myself ever having as many bank cards as I do store cards.

[HiLine]

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@Burned2manybridgesB4 wrote:

The most popular here is the walmart card. Some have store, some have cobranded (runs on discover network, not a real discover), but the main perks are occasional 0% APR coupons, and a free montly TU08 fico score.

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I have a question for you. Are these features specific to the Discover version of the card or are they offered by the Visa/Mastercard version as well?

[injustifiiable]

I have several store cards...mainly through Comenity. I also have a couple I just got through GEMB.

I only regret the ones that won't grow! I won't complain about the fact that Comenity has given me over $4,000 in credit over the past year, though...considering in early 2012 I had none.

My favorite is the J.Crew card since they frequently do extra 30% off sales for the cardholders on top of the usual extra 30% sales. I get good deals there when I can use both of those promos.

[creditscoreEE]

That's great that it helps your utilization I will be looking to applying in a couple of months.