topic Re: Dillards Store card closed in Credit Cards

Dillards Store card closed

12njoy — Sun, 11 Oct 2015 17:15:16 GMT

For CAPTOOL, I closed my Dillards store card so that's $2,500 less. I'm still above the 600k mark though. No more store cards. I'm free of them.

Re: Dillards Store card closed

alkaline — Sun, 11 Oct 2015 19:24:01 GMT

Wow, what's your income if you don't mind me asking?

Re: Dillards Store card closed

woodyman100 — Sun, 11 Oct 2015 19:57:05 GMT

I was down to the Lowes card only and then I finally succumbed to the fun at Barneys and my son talked me into a GameStop when the preapproval popped up in the store.

ill get back down to zero with you. Yes I will

Re: Dillards Store card closed

12njoy — Sun, 11 Oct 2015 20:41:00 GMT

@alkaline wrote:
Wow, what's your income if you don't mind me asking?

110k

Re: Dillards Store card closed

12njoy — Sun, 11 Oct 2015 20:46:58 GMT

@woodyman100 wrote:
I was down to the Lowes card only and then I finally succumbed to the fun at Barneys and my son talked me into a GameStop when the preapproval popped up in the store.
ill get back down to zero with you. Yes I will

I was actually going to try and get the Amex version but it wouldn't take my application so we'll leave it alone and call it a day.

Re: Dillards Store card closed

pizza1 — Mon, 12 Oct 2015 00:53:29 GMT

I think that I could go "store card free" in 8 yrs, once my BK if off my reports, and my scores and swagger are back, then I could get pretty much anything I wanted, and Id replace the store cards with majors. Leading up to that point though, I think I come come as close as having 5-10 store cards with letting go of the others.

Re: Dillards Store card closed

12njoy — Mon, 12 Oct 2015 00:58:00 GMT

@pizza1 wrote:
I think that I could go "store card free" in 8 yrs, once my BK if off my reports, and my scores and swagger are back, then I could get pretty much anything I wanted, and Id replace the store cards with majors. Leading up to that point though, I think I come come as close as having 5-10 store cards with letting go of the others.

Pizza, you're doing great. I'm not knocking store cards at all. I just have like 49 cards and it's hard to rotate them so that each sees some use. With store cards I then would have to go to that store to use it and I just don't have time or feel like doing that. I guess I could order online but I hate being restricted. Don't get me wrong, store cards serve a purpose. My first store card (Firestone) was instrumental in my rebuild back in 2013.

Re: Dillards Store card closed

TiggerDat — Mon, 12 Oct 2015 01:20:02 GMT

I have nothing against store cards, but only really want the ones that offer a benefit.

Re: Dillards Store card closed

pizza1 — Mon, 12 Oct 2015 01:24:24 GMT

@12njoy wrote:
@pizza1 wrote:
I think that I could go "store card free" in 8 yrs, once my BK if off my reports, and my scores and swagger are back, then I could get pretty much anything I wanted, and Id replace the store cards with majors. Leading up to that point though, I think I come come as close as having 5-10 store cards with letting go of the others.
Pizza, you're doing great. I'm not knocking store cards at all. I just have like 49 cards and it's hard to rotate them so that each sees some use. With store cards I then would have to go to that store to use it and I just don't have time or feel like doing that. I guess I could order online but I hate being restricted. Don't get me wrong, store cards serve a purpose. My first store card (Firestone) was instrumental in my rebuild back in 2013.

oh heck yea!! I love my store cards! I will always keep a few of my very favs for many years, and let go of the others. Store cards are great to rebuild with with, and if you can get those cards limits high enough and away from toy limit hell, thats a plus. I do plan on closing 10 over the next year and a half, getting myself set up better,letting some accts go, and downsize in prepartion for Penfed and Chase reattempts, LOL...

Re: Dillards Store card closed

12njoy — Mon, 12 Oct 2015 01:27:10 GMT

@pizza1 wrote:
@12njoy wrote:
@pizza1 wrote:
I think that I could go "store card free" in 8 yrs, once my BK if off my reports, and my scores and swagger are back, then I could get pretty much anything I wanted, and Id replace the store cards with majors. Leading up to that point though, I think I come come as close as having 5-10 store cards with letting go of the others.
Pizza, you're doing great. I'm not knocking store cards at all. I just have like 49 cards and it's hard to rotate them so that each sees some use. With store cards I then would have to go to that store to use it and I just don't have time or feel like doing that. I guess I could order online but I hate being restricted. Don't get me wrong, store cards serve a purpose. My first store card (Firestone) was instrumental in my rebuild back in 2013.
oh heck yea!! I love my store cards! I will always keep a few of my very favs for many years, and let go of the others. Store cards are great to rebuild with with, and if you can get those cards limits high enough and away from toy limit hell, thats a plus. I do plan on closing 10 over the next year and a half, getting myself set up better,letting some accts go, and downsize in prepartion for Penfed and Chase reattempts, LOL...

Before I got my BP Visa, I loved my BP store card. That was actually one store card that I could have kept if not for the BP Visa

Re: Dillards Store card closed

Kutuzov — Mon, 12 Oct 2015 02:00:30 GMT

I have ons sc the Amazon and it's great for the 0% promos. My wife got 2 sc, the JCPenny and Kanes. JCPenny gives you $10 coupon for every $100 spend, plus discounts etc, and kanes gives you 0% apr promos sort of the Amazon sc. They are great as long as you pif before any interest hits. Thier APR are on the sky high.

Re: Dillards Store card closed

woodyman100 — Mon, 12 Oct 2015 02:08:42 GMT

@12njoy wrote:
@woodyman100 wrote:
I was down to the Lowes card only and then I finally succumbed to the fun at Barneys and my son talked me into a GameStop when the preapproval popped up in the store.
ill get back down to zero with you. Yes I will
I was actually going to try and get the Amex version but it wouldn't take my application so we'll leave it alone and call it a day.

I had it, but got nervous at my amount of credit available earlier in the year and I closed it along with some others. Turns out, I was probably wrong on that on

Re: Dillards Store card closed

Ron1 — Mon, 12 Oct 2015 02:15:17 GMT

Sorry to hear!!! They are expensive to keep. I don't shop over there.

Ron.

Re: Dillards Store card closed

12njoy — Mon, 12 Oct 2015 02:17:11 GMT

@Ron1 wrote:
Sorry to hear!!! They are expensive to keep. I don't shop over there.

Ron.

you got that right. I looked at jeans over $100

Re: Dillards Store card closed

Ron1 — Mon, 12 Oct 2015 02:18:36 GMT

@12njoy wrote:
@Ron1 wrote:
Sorry to hear!!! They are expensive to keep. I don't shop over there.

Ron.
you got that right. I looked at jeans over $100

I like Belk.

Ron.

Re: Dillards Store card closed

12njoy — Mon, 12 Oct 2015 11:48:47 GMT

Ha Wells Fargo is playing with my emotions. Reapplied and got the store card again with the same limit. Took the HP but won't be keeping this account. Will be closing as soon as the office opens.

Re: Dillards Store card closed

12njoy — Mon, 12 Oct 2015 15:35:37 GMT

Card closed. Someone spiked my interest in the Rakuten card so I called for a SP CLI and was approved for an extra 2500 (total now 4500). I always have to find replacements

Re: Dillards Store card closed

haiti222 — Tue, 13 Oct 2015 01:02:30 GMT

Dillards does have benefits if you shop there. You get access to the clearance sales one day early much of the time. You also need a Dillards card to get the discount certificates. Also, if you are Élite, you get free shipping.

Re: Dillards Store card closed

12njoy — Tue, 13 Oct 2015 01:03:58 GMT

@haiti222 wrote:
Dillards does have benefits if you shop there. You get access to the clearance sales one day early much of the time. You also need a Dillards card to get the discount certificates. Also, if you are Élite, you get free shipping.

Thanks. I really dont shop there. I applied (twice now) hoping for the Amex version. Big disappointment for me but I'm over it now.

Re: Dillards Store card closed

Wovenyarn — Tue, 13 Oct 2015 01:33:35 GMT

I was trying for the Amex and I got the store card with a very low limit. I'll be SDing it as they are too expensive for my blood. Maybe a special occasion purse purchase or something once a year.