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New Member
Posts: 17
Registered: ‎10-06-2008
0 Kudos

choose and charge cards

i'm on the path to rebuild credit and as things improve (or remain somewhat stagnant) i get more and more credit offers.

 

however, they are from a few different catalogs like, seventh avenue, ginny's, midnight velvet and a few others, with a choose and charge card.  usually the limit is between $250-$400

 

it seems similar to crown jewelers but clothes and housewares instead of jewelry

 

anyone have any experience with them?  do they report to the CRAs?  are the credit limits too low to bother with?

 

thanks a lot!

Valued Member
Posts: 39
Registered: ‎02-12-2008

Re: choose and charge cards

I have a choose and Choose N Charge account with Seventh Avenue since May. They gave me a $425.00 CL but they don't report to any of the CRA.
Valued Contributor
Posts: 1,185
Registered: ‎03-04-2008

Re: choose and charge cards

Not reporting = Worthless
Valued Contributor
Posts: 3,017
Registered: ‎06-03-2008

Re: choose and charge cards


jmbfl wrote:
Not reporting = Worthless

 

Agreed. If it's not reporting it's not building your credit. Does you no good.
New Visitor
Posts: 1
Registered: ‎01-21-2009
0 Kudos

Re: choose and charge cards

if ur credit isn't all that great to begin with, get a choose and charge card.  Miss the 1st payment and they will start reporting.
New Visitor
Posts: 1
Registered: ‎12-21-2012
0 Kudos

Re: choose and charge cards

 seventh avenue, ginny's, midnight velvet  are all the same diffrent names but under the same umbrella

if you look through the books they all have the same products  i have been with them for a year now they havent reported anything on my credit report as of yet

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