topic Re: Ditching Fingerhut..Need a new good store card? in Credit Card Applications

Ditching Fingerhut..Need a new good store card?

Anonymous514 — Wed, 17 Jun 2015 23:45:20 GMT

Ok people I need suggestions! My TU is 710 My Eq is 684 My Ex is 694. I want to close my Fingerhut account but need a new retail to replace it with..Look at my signature that is every card I have. I want one that can be used either everywhere or a store that says everything and one that will probably give out a decent limit as my Fingerhut has 1350.

Re: Ditching Fingerhut..Need a new good store card?

Zorasmiles — Wed, 17 Jun 2015 23:52:24 GMT

@bigalkescott514 wrote:
Ok people I need suggestions! My TU is 710 My Eq is 684 My Ex is 694. I want to close my Fingerhut account but need a new retail to replace it with..Look at my signature that is every card I have. I want one that can be used either everywhere or a store that says everything and one that will probably give out a decent limit as my Fingerhut has 1350.

Honestly you need to put more information of what cards you might be interested in. With your line up of cards I would have thought you'd have ditched Fingerhut once you acquired Chase, BOA or AMEX. If I had to suggest a store with the limited information you placed it would be Overstock or Amazon(based on the various goods they carry, credit scores, CL's). GL

Re: Ditching Fingerhut..Need a new good store card?

Anonymous514 — Wed, 17 Jun 2015 23:55:21 GMT

I kinda like FH but the interest is crazy I think. I am thinking about Amazon but not their Visa I was denied because I just recently opened a Freedom card with chase so they needed more time to see if I am elible for another one with them. I never use my American Express either. I am asking on here because maybe you guys know of some decent ones that dont have such high interest rates and give good limits

Re: Ditching Fingerhut..Need a new good store card?

Anonymous — Thu, 18 Jun 2015 00:11:32 GMT

Do the shopping cart trick and snag an overstock.com card! They tend to give high starting limits..

Re: Ditching Fingerhut..Need a new good store card?

Anonymous514 — Thu, 18 Jun 2015 00:13:26 GMT

I try all the time I never get it...Any tips? Or more secrets to get it?

Re: Ditching Fingerhut..Need a new good store card?

redpat — Thu, 18 Jun 2015 01:10:54 GMT

IMO, you are throughing garbage out and replacing it with garbage. I'm just not a fan of store cards or the sct

.Chase Amazom, at least it's a visa for more versatility.

Stay with quality cards with good reward programs.

Re: Ditching Fingerhut..Need a new good store card?

Anonymous514 — Thu, 18 Jun 2015 01:12:04 GMT

I asked for an opinion on a store card not a regular credit card.

Re: Ditching Fingerhut..Need a new good store card?

redpat — Thu, 18 Jun 2015 01:18:36 GMT

@bigalkescott514 wrote:
I asked for an opinion on a store card not a regular credit card.

Just an opinion, what ever floats your boat. You do get amazon rewards with Chase. It's better than a amazon store card.

Hey, why not have the best of both worlds.

Re: Ditching Fingerhut..Need a new good store card?

Anonymous — Thu, 18 Jun 2015 01:39:20 GMT

LOwes

Re: Ditching Fingerhut..Need a new good store card?

Anonymous — Thu, 18 Jun 2015 07:24:10 GMT

Lowes then Walmart. Some say Walmart is harder to get. Also consider toy gas cards by synchrony. Use and pif. in short time itll look better for walmart or ssmsclub.

Re: Ditching Fingerhut..Need a new good store card?

Anonymous — Thu, 18 Jun 2015 07:31:42 GMT

You can get a store card with a m/c or visa logo? Double purpose with rewards. Or if you don't want an hp, try the shopping cart trick for a dept. store you would like/use. I think Comenity is on fire right now.

Re: Ditching Fingerhut..Need a new good store card?

Anonymous — Thu, 18 Jun 2015 13:34:32 GMT

Amazon, Lowes for home/general purpose - Easy to get High CLI via chat

Blue Nile/Barneys - Easy to Call in on Phone to get Automated Message CLIs

To the poster that said store cards aren't very good....they have their benefits, especially amazon and Lowe's.

You can get 6,12,24 month financing on Amazon items, and you can get 72 month financing on Lowe's purchases. Blue Nile offers excellent finance offers as well sometimes.

I'd rather have 24 month financing on a 15,000$ Amazon purchase than get a Chase Amazon with a stingy limit and HP CLI's

Re: Ditching Fingerhut..Need a new good store card?

Anonymous — Thu, 18 Jun 2015 14:49:12 GMT

Wow, your profile is very similar to mine (score-wise), however I do have 25 accounts.

I learned this from this forum:

I already had a Macy's card for about 2 years, but I called in and let them know that I was looking to purchase some furniture, and asked for the "Special Events" or "Special Promotions" line of credit. She asked me how much I wanted, which caught me off guard. I blurted out $5000. She put put me on hold for about 10 seconds and came back and said that I'm approved and the account would be added as a separate line on my Macy's card account. I probably could have asked for more, but didn't want to push it, and am actually surprised that it was so easy. No inquiry either!!!

Now, I don't know if have an existing Macy's card helped. You can call in and ask if you can just apply for the "Special Events" credit line.

Hope this helps.

Re: Ditching Fingerhut..Need a new good store card?

redpat — Thu, 18 Jun 2015 16:17:19 GMT

@Anonymous wrote:
Amazon, Lowes for home/general purpose - Easy to get High CLI via chat

Blue Nile/Barneys - Easy to Call in on Phone to get Automated Message CLIs

To the poster that said store cards aren't very good....they have their benefits, especially amazon and Lowe's.

You can get 6,12,24 month financing on Amazon items, and you can get 72 month financing on Lowe's purchases. Blue Nile offers excellent finance offers as well sometimes.

I'd rather have 24 month financing on a 15,000$ Amazon purchase than get a Chase Amazon with a stingy limit and HP CLI's

I'm glad they work for you. I just don't like them, I pay as I go. My large purchases are planned and saved for. However, I will charge them when it comes time to purchase.

Re: Ditching Fingerhut..Need a new good store card?

Anonymous — Thu, 18 Jun 2015 16:30:19 GMT

Yup to each their own. Prime cards offer 0 percent for a year for high 600 credit but store cards are looser. Not everyone has discipline to have lawn furniture family room as they save a big chunk for nice leather and memory foam. Some store cards better than others. Overstock is great. Synchrony… once you have history with one, you get luv.

Re: Ditching Fingerhut..Need a new good store card?

Anonymous — Thu, 18 Jun 2015 19:37:31 GMT

@bigalkescott514 wrote:
I kinda like FH but the interest is crazy I think. I am thinking about Amazon but not their Visa I was denied because I just recently opened a Freedom card with chase so they needed more time to see if I am elible for another one with them. I never use my American Express either. I am asking on here because maybe you guys know of some decent ones that dont have such high interest rates and give good limits

There are several that are known for decent limits. Lowes, (Synchrony), and Overstock, (Comenity), come to mind. But I can't think of any that don't have high interest rates.

Re: Ditching Fingerhut..Need a new good store card?

juniornj23 — Thu, 18 Jun 2015 20:19:00 GMT

Overstock