@Anonymous wrote:
Yep. I am in the app market again. What store card do you think looks best and practical to use here and there. It was going to be Walmart but then thought maybe I should go for something better. Maybe HomeDepot, Lowes, Sears, Victoria's Secret to buy my GF presents. Can you all give me ideas. Toys-R-Us card for batteries or something... I'd like to be able to get some use out of it too. I'd get a petstore card if they had them, I do a lot of shopping for my pets. Thanks for ideas....
I don't much care about the appearances of my cards; I learned the hard way to go for the bank behind them, plus the likelihood of decent CL's and whether I actually go there. I have:
Home Depot store card: issued by Citi, $4K CL, decent 0% deals for big-ticket items if you don't mind carrying balances (I hate to); flame orange color very appropriate for Vols fans and other colleges cursed with orange as trademark color. I'd actually like to have a Lowe's card, but I'm not dealing with GEMB.
Best Buy store card: issued by HSBC, 'nuff said. But I got a $2500 CL, which is nice for util, as I don't carry balances on it. Livid bright blue with yellow. Unlike HSBC bank cards, it reports the statement balance on the statement date.
J.Crew store card: issued by despised (by me) WFNNB, as is Victoria's Secret. Never get a WFNNB if you think that you might default on the card, as I have heard horror stories. But I got a 30-60-90 on it due to a ridiculous battle of wills with a daughter who said that she would pay it, and I never got crap from them. When I decided I'd better reactivate it, they did so promptly, and they've since doubled my CL. But their reporting is bizarre, to say the least. Card is a nice tasteful color-0f-money dark green. Good deals with early sales and free shipping.
I also have co-branded Borders (Visa) and Barnes and Nobles (MC), and they have decent rewards, but you're asking about store cards.
* 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