I just went to Banana Republic today. I bought a shirt and opened a Banana Card account. I only have 1 CC and a Dell and Zales account.
My scores are 690, 661, 683
4 year credit history
Awesome card as I got 15% off my purcahse. I also get 10% off any time I buy something there.
$800 credit limit as well
Macy's, JC Penney's, Best Buy, Kay Jewelers.
Agree, except for the Best Buy card. HSBC --yikes!!
BBY is pretty good I think. I mean customers at my store get approved for like 10,000and so on.
I'm happy with my store card. But I would never call it an easy store card to get.
And since HSBC gives you their (mostly) sad MC if you don't qualify for the store card, you're then headed down that fun road.
If I'm going to be declined, I want to be declined, not shunted off onto something I don't really want.
I guess this is when you apply online for the BBY card and get declined you get offered the RZMC...or something, because in store we give you the option on what card you want and apply you for that card you request. Which that sounds kidna of crappy, but I would always recommend if you want the BBY card apply in store not online.
See im not looking for the "EASY" , pay us $100 per year 35% interest , im just looking for a card with a lower credit limit to start , decent ( not super) interest , that my credit pull hit will be worth it and I can use it like so many others to rebuild my credit.
I was mostly looking forgas ones , because I would use it that much and my tank takes $35-45 to fil and can be paid easily..
Thank you all..