WHEN I APPLIED FOR CREDIT AT THE STORE THEY WANTED MY VISA CARD WHY/

[liz9100]

WHY ARE THEY ASKING FOR MY VISA TO APPLY FOR CREDIT AT THE STORE. I WAS TOLD THEY USE IT FOR INFORMATION ON HOW I PAY ON THE CARD. SHOULD I PAY OFF THAT CARD. ALSO CAN I USE ONE AM AN AUTHORIZED USER ON TO GET A BETTER SHOT? ALSO WHAT ABOUT ME BEING NEW ON THE CARD.

[Anonymous]

I have never heard of that before. When you ask for a CC  they always do a hard pull & get all that info..........speaking for myself I think i would run the other way OR  check and see if you can apply online.

[Anonymous]

Lane Bryant and their family of catalogs(RedCatUSA), ask for a major credit card when applying for one of their charge cards. The way I understand it, that is one of their requirements that you must have a major valid charge card in order to obtain one of their cards, regardless of how perfect your credit is.

I just wonder if they don't put the major credit card on as a backup source of payment. Have never read all the fine print or bothered because I do not have a major credit card.

[llecs]

It's standard operating procedure for stores like Macys. They cross reference your report when you app and compare it to the card you present. Don't know why they do it. ID/security issue?

[Anonymous]

I agree llecs. When I asked for a cli at approval, they asked me for a major cc also.