@Anonymous wrote:
It seems like "store" cards are easier to get than major bank cards, which may be part of the reason why so many people when rebuilding scoop up a stack of store cards. Unfortunately, after a year or two of rebuilding once a person is able to obtain essentially any cards they want, they look back at those store cards and wish they never got them. Capital One Platinum may be a decent choice. Once you get your scores into the mid 600's they'll let you PC it to a QS which is a 1.5% CB card.
Nah i don't get your line of thinking. Store cards are great. My Pottery Barn gives me zero percent for 12 months. This is the only card I carry a balance on. Have 5k credit limit that I can easily raise if I so desire. And J Crew gives you 5 percent back in the form of gift cards. I use it all the time. Plus I got two 20 percent off coupons when I opened JCRew card. Used them both when they had 30 percent off sales. Updated my wardrobe pretty cheaply, I wanted a Target back in January and they turned me down. I think they have a good program as well with five percent off on everything. . But not going to waste a hard pull and a account now that doesn't have sign up bonus.
I just PCed the Cap One to Quicksolver today but it only has 750 dollar limit and we have USAA 1.5 card with a 25k limit and 18 months zero percent interest. Cap One triple pulls so for the small limit they give you it is easy to regret it.
