Sears Credit Card SHOCKED!

Hammer23 · ‎06-12-2012

So I went to Sears today because I need to purchase new lawn and garden equipement and Sears is having a big sale. The sales rep explained that I could get 5% off instantly or 12 months no interest if I used a Sears card. I explained that Citi and I don't get along since my BK and would most likely be a wasted inquiry. The sales rep explained that Sears has relationships with Citi (Primary) and HSBC & GE (Secondary) and that the 0% was good no matter who approved me.

To my amazement CITI approved it with a $3,000 limit!

I never thought I would have a Citi card again after I took them down in the BK, but the Sears card is on the way.

WF Home Projects Visa $8500 / Towpath CU Visa $7000 / Chase Freedom Visa $5500 / Cap 1 QS Visa Sig $5000 / Barclaycard Ring MC $5000 / GE Lowes $5000 / Citi Best Buy MC $4250 / Barclaycard Rewards Visa $4000 / BFG CU Visa $3500 / Citi Sears$3000 / WF Visa $2000 / GE Walmart $1900 / GE Care Credit $1900 / GE Amazon $1400 / Cap 1 Kohls $1000 / GE Old Navy $800 / Webbank Fingerhut $700

Repo-ed · ‎06-12-2012

Sweet, congrats!

5/2012: 560 credit scores across the board
12/2014: 750+
3/2017: 780+
11/2019: 833
2/2023: Experian via Chase United Explorer CC pull - 891

Cotton_Britches · ‎06-12-2012

Congrats. Do you know which bureau they pulled?

“Faith is taking the first step even when you don’t see the whole staircase.”

BrokaToe · ‎06-12-2012

Very nice, congrats!

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Hammer23 · ‎06-12-2012

@Cotton_Britches wrote:
Congrats. Do you know which bureau they pulled?

EQ

WF Home Projects Visa $8500 / Towpath CU Visa $7000 / Chase Freedom Visa $5500 / Cap 1 QS Visa Sig $5000 / Barclaycard Ring MC $5000 / GE Lowes $5000 / Citi Best Buy MC $4250 / Barclaycard Rewards Visa $4000 / BFG CU Visa $3500 / Citi Sears$3000 / WF Visa $2000 / GE Walmart $1900 / GE Care Credit $1900 / GE Amazon $1400 / Cap 1 Kohls $1000 / GE Old Navy $800 / Webbank Fingerhut $700

2NE1 · ‎06-12-2012

Congrats!

I used to have the HSBC one, lol.

jordanmedical · ‎06-12-2012

Congrats! Wasn't aware Sears worked with all 3 credit issuers.

-Rebuilding with CapOne Cash: $1.5k, NFCU cashRewards $8.5K, NavCheck $5K, Wal-Mart: $1.1K, Sam's: $1.2K, Amazon: $1.9K, Apple Barclay: $3K, Haverty's: $1.5K, GE capital: $5K, Sears: $250(AU), PP MC:$1.5K, CareCredit:$3K (closed 1st home 05/08/13)

Starting Score: 492-TU04, 480-EX FICO V2, 467-EQ Beacon 5 (Via Mortgage PreQual March '12)
Current Score: EX,EQ,TU (lender pull): 652, 659, 689, Walmart TU FICO: 691 (05/13)
Goal Score: 700
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Creditaddict · ‎06-12-2012

@Hammer23 wrote:
So I went to Sears today because I need to purchase new lawn and garden equipement and Sears is having a big sale. The sales rep explained that I could get 5% off instantly or 12 months no interest if I used a Sears card. I explained that Citi and I don't get along since my BK and would most likely be a wasted inquiry. The sales rep explained that Sears has relationships with Citi (Primary) and HSBC & GE (Secondary) and that the 0% was good no matter who approved me.

To my amazement CITI approved it with a $3,000 limit!

I never thought I would have a Citi card again after I took them down in the BK, but the Sears card is on the way.

WOW, Lucky Sales Person you got the Citi Card because I don't think you would have looked at them as nice when they came back and said you didn't qualify for Citi but HSBC would like to offer you a Sears Solutions MasterCard for $300 Credit Line and $59/Annual Fee!

Sigh Im jealous... not for Sears but to be in with Citi!!! Last time I tried I was still Black Listed!

skyisthelimit · ‎06-12-2012

Ok, you BK with the creditor and now you requested another credit line? This just doesn't make since to why they would approve you. Do you fell like your going back down the same road that lead to your initial BK? I think the sales rep didn't care what you said, as long as they could get you the line of credit and sell the items. Just my 2 cents, congrats on rebuilding your credit!

JusdoNit · ‎06-12-2012

Congrats. Nice Citi didn't blacklist

Starting Score: 722
Current Score: Now 687 what the hockey sticks...from a 784 (Aug 12 EX 751 EQ Fico)
Goal Score: 800
If your outGo is more than your INcome than your UpKeep will become your downFALL.

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