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Or even sometimes an occasional shopper! Depends how much you think a HP costs (which varies with your situation and your credit app plans).
So I remember years ago being at the Gap and buying maybe $150 of clothes. At checkout, they offered a store card which would give 20% of this (first) purchase.
Since I didn't know about HPs then, this was a no-brainer, using my 1% Visa card would give me $1:50, this would give me $30.
Today, now, I would make the same decision as I don't care about the hard pull in the next year. If it was about to get a mortgage, then probably not!
For the past year, I had only a Macy's card. I applied with them because it keeps my majors free for other expenditures. I applied for Bloomingdale's Thursday and was approved, probably without a CR because the approval came so quickly that my computer didn't even have to "think" about it. I won't use the Bloomies much as I only applied because I needed new jeans and I don't like any that Macy's carries. Otherwise, Macy's would have been my only store card. I have spent over $2,500 in the last year with Macy's qualifying me for their "elite" card which gives me 18 free perks per year, like gift wrapping, basic alterations, etc. They also send me Star Rewards coupons which give me an additional 20% off most everything in the store (except for "high end" merchandise), even stuff already on sale, and I get $10 and $25 one time use coupons as well.
I loves me my Macy's.
@randeman wrote:For the past year, I had only a Macy's card. I applied with them because it keeps my majors free for other expenditures. I applied for Bloomingdale's Thursday and was approved, probably without a CR because the approval came so quickly that my computer didn't even have to "think" about it. I won't use the Bloomies much as I only applied because I needed new jeans and I don't like any that Macy's carries. Otherwise, Macy's would have been my only store card. I have spent over $2,500 in the last year with Macy's qualifying me for their "elite" card which gives me 18 free perks per year, like gift wrapping, basic alterations, etc. They also send me Star Rewards coupons which give me an additional 20% off most everything in the store (except for "high end" merchandise), even stuff already on sale, and I get $10 and $25 one time use coupons as well.
I loves me my Macy's.
i also love my Macy's card.
I think most store cards are worthless but I have a Banana Republic Visa simply because I shop there a lot and the majority of the time, you need to use a BR card as a payment type in order to get their sales such as 40% off.
I have no regrets in getting one because I get 5 points for every dollar I spend (amounts to 5%) in addition to all the discounts from the coupons and rack up hundreds of dollars in rewards every year. Plus you get the same rewards for every store in the Gap family, not just BR. I think my limit was $1000 when I first opened it 5 years ago but it has grown to a $5000 limit which is very respectable considering I only use the card for BR purchases.
i have 5 store cards but maybe will be cutting them down
Best Buy-Use this for rewards points and 0% finance deals of 6months -2 years
Macy's- Multiple sales/star rewards/ and progams like thank you that give 10% cash back on a gift card to the store.
Kohl's-Sales mostly but i usually just put 1 dollar on here (since its only a 400 limit) and paid the rest with my freedom which had 5% cashback on that at the time.
American Eagle(i got this because i shopped here alot. no real rewards. besides not tying up my real cards limit) ive hit 40% off twice which is equal to 500 spend in three months (between myself and friends/holiday shopping)
Walmart- I got this for the free TU Fico, and i actually planned on using it. has grown that fastest for me from 800 in july when approved to 5k at the end of october.
edited for spelling
Current: Fico ScoresEQ~706 TU~719 EX 709 4/28/23 Inquiries (24 Months): EQ 0 TU 0 EX 0| Most Recent: A LONG WHILE | Buy A Home Earn Cash Back | Amex Zync(Unicorn) Chase Freedom$1500 Discover IT$7,400 Citi DC $10,000 Citizens Mastercard$7,000 |
i also love my Macy's card.
star rewards, 15% and/or $20 off coupons, special offers, thanks for sharing program for spending over the holiday period... and I have the Macy's Amex TL, so I can make purchases outside of Macy's.
i think in my opinion that store cards are greatest because you get to save, exclusive inviatations, you know sale before non-cardmembers and if you pay in full theres no problem Here are my cards:
Nordstrom Visa: 10,000
Bloomingdales Amex: 10,000
Lowes: $10,000
Home Depot: $7,500
P.C. Richards 6,000
Neiman Marcus: $5,000
Saks: $4,000.00
Lord & Taylor $4,000.00
Proably never gonna apply for store again because I have every one that I need
@Imua wrote:
@jsickz32 wrote:
@randeman wrote:For the past year, I had only a Macy's card. I applied with them because it keeps my majors free for other expenditures. I applied for Bloomingdale's Thursday and was approved, probably without a CR because the approval came so quickly that my computer didn't even have to "think" about it. I won't use the Bloomies much as I only applied because I needed new jeans and I don't like any that Macy's carries. Otherwise, Macy's would have been my only store card. I have spent over $2,500 in the last year with Macy's qualifying me for their "elite" card which gives me 18 free perks per year, like gift wrapping, basic alterations, etc. They also send me Star Rewards coupons which give me an additional 20% off most everything in the store (except for "high end" merchandise), even stuff already on sale, and I get $10 and $25 one time use coupons as well.
I loves me my Macy's.
i also love my Macy's card.
I had to rebuild so it was much easier to qualify for store cards than the major CC's. My Macy's I really love as well because I have gotten some extremely deep discounts (like 70% off) on many items. And plus if you catch something you purchased on sale for even less money within 14 days you can get that lower price too! The JCP is okay because they do have sales on their linen products that I like plus you can get the $10, 20 bucks off certificates based on your spending. Other than that the remaining are SD and just help out with util.