Stores with instant credit

[Anonymous]

Can you help me to make a list of stores with instant credit and the banks they are going through? Macy's (citi), Nordstrom (nordstrom), BestBuy (HSBC), Sears (HSBC), JC Penny (?)

[haulingthescoreup]

When you say "instant credit," what exactly are you referring to? Applying at check-out?

JCPenney's is GEMB.

Sears is normally Citi. I think that the Sears HSBC card is what you get if you don't qualify for the Citi version.

To add some stores and their associated banks, although I don't know about the instant part:

Bloomingdales (DSNB, aka Citi, as is Macy's)

Home Depot (Citi)

Lowe's (GEMB)

J.Crew, Express, Structure, Eddie Bauer, a buncha similar upscale mall stores, Lane Bryant (I think they've switched back) --all these are WFNNB

[Anonymous]

Yeah, I meant fast application at checkout and the ones that allow you to get approved instantly and shop right away. BTW which ones except Macy's and Nordies will give good initial CL for a good credit?

[Anonymous]

Gordon's Jewlers is citi bank

[haulingthescoreup]

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Lexa wrote:
Yeah, I meant fast application at checkout and the ones that allow you to get approved instantly and shop right away. BTW which ones except Macy's and Nordies will give good initial CL for a good credit?

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I would think that pretty much any store card would do this. Turn up back at the customer service desk with a cart full of stuff, and I understand that this helps you get a nice initial CL.

Kohl's is one. Handled by Chase, which pulls your Experian Vantage score, the only lender we know of that uses a FAKO.

[marty56]

Target, Kohls, Conns, Best Buy, Sears, Sams for Discover, Newegg, Furniture Row

[daisyduke]

HSBC - Saks, Neiman Marcus, Bergdorf Goodman - I had an acct instant app for Saks when I bought one item for $1K, my initial CL given upon purchase was $2K. I think (no real evidence) that more upscale stores tend to give more generous starting CL's. After all, their items do cost a little bit more... HSBC, they have been known to slash CL's due to inactivity.  

WFNNB - Victorias secret, crate and barrel,there are a bunch of other little stores too.

GEMB - Banana Republic, Gap, Old Navy  - from research, have not seen higher CL's on gap and old navy, typically starting at 250-300.  Ethan Allen is GEMB as is Thomasville.

[JMN]

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@Anonymous wrote:

Can you help me to make a list of stores with instant credit and the banks they are going through? Macy's (citi), Nordstrom (nordstrom), BestBuy (HSBC), Sears (HSBC), JC Penny (?)

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Best Buy uses both HSBC and JPMorgan Chase, just to note.

If you are declined by HSBC, your application is automatically and immediately reviewed by JPMorgan Chase at the Customer Service Desk.

This is, however, only for the Best Buy Private Label Credit Card. The Best Buy RewardZone MasterCard is serviced only by HSBC. 

[Anonymous]

Best Buy uses HSBC for the Reward Zone Mastercard and also for the store card. If your credit isn't good enough for HSBC on the store credit, it will automatically run it for chase, which they say gets more approvals.

[MrShush]

American Signature Furniture (AKA Value City Furniture) is WFFNB; I got a preapproval on the website while entering a giveaway!