New Contributor
craigh
Posts: 80
Registered: ‎02-09-2009
Which store CC do you have? Best? Looking for one

I am looking to get a store CC to get some benefits and also raise my scores. I am looking for a CC for a department store or grocery store. Tell me which ones you have?

 

Thanks!

Established Contributor
Ulan
Posts: 790
Registered: ‎09-09-2008
Re: Which store CC do you have? Best? Looking for one

I posed the same question some time ago. For me personally, I thought the following were best:

 

1. Macy's. Good with giving you a comparably large tradeline. Good coupon offers. You will never lose the store trade line when they give you a Visa (you will have 2 reporting tradelines then). Managed by Citi.

 

2. Kohl's. Good coupon offers connected to the card. Will always stay a store card (no Visa etc. on offer). Stingy with tradelines. Relatively hard to get. Managed by Chase.

 

If you are into home improvement: Home Depot (can be a big tradeline). Often gives 0% offers for big items.

Valued Contributor
oracles
Posts: 1,699
Registered: ‎08-18-2007
Re: Which store CC do you have? Best? Looking for one

Hi Craigh

 

My favorite store card is Macy's. They will grow with you and have very good offers.

 

Just make sure whatever store card you receive, it is one that you will use.

 

I have a JCrew card that I hate and I have to use it once every 6 months to keep it active. Years ago I shopped at jcrew and got the store card. I've had this card for many years. In present time, I think they are so over priced and I hate every time going there to buy something.

 

Hope this helps

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Epic Contributor
haulingthescoreup
Posts: 28,115
Registered: ‎04-01-2007
Re: Which store CC do you have? Best? Looking for one
I have:

J.Crew --ditto to what Oracles said, plus it's the horrible WFNNB behind it. I will say that the store folks are wonderful, but the bank people drove me nuts.

Home Depot --the only perk seems to be the 0% financing for items over whatever, which I don't use, but it's issued by Citi, and they gave me $4K, so I'm not arguing.

Best Buy --issued and mishandled by HSBC (*shivers*), but so far, so good, and I just hit the luv button to go from $2500 to $4K, so I need to stop whining and go buy a CD and some gum.

Kohl's is great, and Macy's/ Bloomingdales is/ are great, and Nordstrom's is great.

To keep a retail card reporting as retail, be sure NOT to get a store card that also has a Visa/ MC/ Discover/ AmEx logo on it. So don't get a Sears MC (for soooo many reasons), don't get a Borders Visa, don't get a Barnes and Noble MC, and so forth. These will count as bank cards, and they won't help your mix by reporting as retail.

* Credit is a wonderful servant, but a terrible master. * Who's the boss --you or your credit?
FICO's: EQ 781 - TU 793 - EX 779 (from PSECU) - Done credit hunting; having fun with credit gardening. - EQ 590 on 5/14/2007
Super Contributor
concorduser
Posts: 6,025
Registered: ‎09-18-2007
Re: Which store CC do you have? Best? Looking for one
In my openion Macy's / Home Depot are good cards that grow with you in CL and benefits. I am not sure about other cards. Another card you want to consider is Nordstrom Store card and they would upgrade your card to Visa after 6 monnths.
Established Contributor
beenthere
Posts: 971
Registered: ‎01-13-2008
Re: Which store CC do you have? Best? Looking for one
I doubt buying a lot of groceries on a credit card would do much for your credit in a manual reveiw. LOL.
1-14-08....... TU=683, EQ=667, EX=666
7-04-08....... TU=688, EQ=678, EX=682.......
.......4 of my 5 cards and a new car later.
2/13/09 and forever EX 693
Community Leader
Senior Contributor
laz98
Posts: 4,291
Registered: ‎09-06-2008
Re: Which store CC do you have? Best? Looking for one

do grocery stores really issue credit cards??????

 

 

anyhoo, we have:  best buy, victoria's secret, catherine's, lane bryant, new york & company, kay jeweler's, ultra diamonds, target, & the now useless mervyn's card.

Latest scores: Walmart TU: 766. MyFICO TU: ---. DCU EQ: 741. PSECU EX: 756.
Established Contributor
Ulan
Posts: 790
Registered: ‎09-09-2008
Re: Which store CC do you have? Best? Looking for one

beenthere wrote:
I doubt buying a lot of groceries on a credit card would do much for your credit in a manual reveiw. LOL.

I buy nearly everything I can on a credit card. I like cashback. Even if it's only 1%.

Valued Contributor
wmarat
Posts: 1,754
Registered: ‎11-03-2007
Re: Which store CC do you have? Best? Looking for one

I have Macy's, Saks, Walmart and JCP.

 

I regret having GEMB cards (Walmart and JCP).

 

We do not have Saks around here

 

I like Macy's for frequent CLI's.

IN VINO VERITAS.
Valued Contributor
mjbfan79
Posts: 1,998
Registered: ‎03-31-2008
Re: Which store CC do you have? Best? Looking for one
I'm loving my Sam's store card right now they gave me a nice bump in my CL it's also my largest CL.

Starting Score 3-31-08: EQ 582 TU 577 EX 625
Current Score 3-19-10: EQ 703 TU 712 EX No Clue
Goal Score: 800 By January Of 2012


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