Who else have no store cards?

[Anonymous]

I have a total of 10 cards: AMEX Blue and AMEX Sky, BOA AMEX, ATT Universal, PenFed Rewards, Discover More, Chase Freedom, USAA Platinum, Citi Platinum and Walmart Discover.

I do not like store cards- not just because of the high interest rates. 

[tmbr10]

Well, I have the Home Depot card hanging around from my credit rebuilding days but it doesnt get much play. Maybe for some light bulbs or nails. Always PIF.

I have no real desire for store cards either.

[CreditChampion]

Walmart is the only store card I want for free fico

[Wolf3]

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@Anonymous wrote:

I have a total of 10 cards: AMEX Blue and AMEX Sky, BOA AMEX, ATT Universal, PenFed Rewards, Discover More, Chase Freedom, USAA Platinum, Citi Platinum and Walmart Discover.

I do not like store cards- not just because of the high interest rates. 

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You have Walmart, that is 1/2 store card.   Do you not like it?

[MsLadyRover]

The store cards I have are because of their benefits and rewards.  Nordstrom for the rewards to earn Nordstrom Notes to spend, Target for the 5% off every purchase, Walmart for the free Fico, Victoria's Secret for the rewards to earn Angel Cards to spend, and Home Depot for the 0% financing whenever there is a household need.  I have JC Penney too.  Don't really know why I have that one.  I rarely use it.  I like that I can use it at CVS and Rite Aid though. LOL.

[dpechal]

I dont have any and I wont ever get one. 

Now don't get me wrong, people with store cards have every right to have one, they just aren't for me I'd rather just use one of my CC's.

[Anonymous]

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@Wolf3 wrote:

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@Anonymous wrote:

I have a total of 10 cards: AMEX Blue and AMEX Sky, BOA AMEX, ATT Universal, PenFed Rewards, Discover More, Chase Freedom, USAA Platinum, Citi Platinum and Walmart Discover.

I do not like store cards- not just because of the high interest rates. 

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You have Walmart, that is 1/2 store card.   Do you not like it?

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To me its a Discover card because it offers some of the same features of a regular Discover card.  The store card is basic. 

[pipeguy]

To me store cards, if used correctly, are great to have.

I use store cards for their free interest promotions for larger purchases. Firestone Card = 6 months no interest for car repairs or tires over $249. Amazon has great extended payment offers as standard fare, $149 = 6 months, $499 = 12 months and there are 24 month plans/offers for TV's and other large purchases. Walmart store card = free FICO and "free" cash at the register up to $60. Dell offers extended payments at 0% APR offers, etc.  

The "got ya" on these offers is if you don't pay in full by the end of the promotion or make your basic monthly payments they charge you interest (and its a fairly high rate of 24% -30%). I generally pay these extended offers off in 3-4 months, even the 12 month plans, but still its nice to have the option of extended payments at no interest.

[learnin113]

I have plenty of store cards...Gap Visa, Walmart Discover, VS.  They all serve a purpose.  I dont think they make me any less of a person

[Wolf3]

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@Anonymous wrote:

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@Wolf3 wrote:

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@Anonymous wrote:

I have a total of 10 cards: AMEX Blue and AMEX Sky, BOA AMEX, ATT Universal, PenFed Rewards, Discover More, Chase Freedom, USAA Platinum, Citi Platinum and Walmart Discover.

I do not like store cards- not just because of the high interest rates. 

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You have Walmart, that is 1/2 store card.   Do you not like it?

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To me its a Discover card because it offers some of the same features of a regular Discover card.  The store card is basic. 

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So why not get a regualr Discover onlly, so you can be pure in your dislike for store cards?