topic Re: "EASY" STORE CARDS in Credit Cards

"EASY" STORE CARDS

Anonymous — Wed, 25 Feb 2009 01:52:59 GMT

I'm in rebuild mode with my credit and need credit cards but have terrible scores. I've cleaned up everything best I can and am paying everything on time, but don't have the "right" balance of credit. Are there any particular stores that are giving credit cards to by trying to develop customers right now?

Re: "EASY" STORE CARDS

Creditaddict — Wed, 25 Feb 2009 02:14:18 GMT

Macys

Re: "EASY" STORE CARDS

Anonymous — Wed, 25 Feb 2009 05:21:39 GMT

i say macys too if you have 6-12 months good on time history and high 500 score. I got card less than a year ago and my limit went 300-600-1200-2400 every 3 months

Re: "EASY" STORE CARDS

Anonymous — Wed, 25 Feb 2009 05:39:23 GMT

Target is easy too but not nearly as generous as Macys with credit lines and increases.

Re: "EASY" STORE CARDS

LisaJ — Wed, 25 Feb 2009 12:11:09 GMT

Macy's, JC Penney's, Best Buy, Kay Jewelers.

Re: "EASY" STORE CARDS

haulingthescoreup — Wed, 25 Feb 2009 16:29:03 GMT

LisaJ wrote:
Macy's, JC Penney's, Best Buy, Kay Jewelers.

Agree, except for the Best Buy card. HSBC --yikes!!

Re: "EASY" STORE CARDS

Anonymous — Wed, 25 Feb 2009 17:15:13 GMT

@Anonymous wrote:
i say macys too if you have 6-12 months good on time history and high 500 score. I got card less than a year ago and my limit went 300-600-1200-2400 every 3 months

As always YMMV. I was declined for Macy's. My scores were in the 580's at the time (back in Sept 2008). My wife was approved for Macy's in November (black Friday weekend) her scores were in the mid 600's.

Now as far as Macy's increases, this is her third month with the card, she called them for an increase, the rep told her they have extended increases to six months now, no longer three months. So either she got a bad customer service rep, or Macy's has changed policy because of this economic/recession BS.

Re: "EASY" STORE CARDS

shalane85 — Wed, 25 Feb 2009 17:37:20 GMT

I called 800-356-2347 and a Macy's Rep told me they will review or you can request every 4 months. I got this number off the backdoor # list. I was just approved for this card last week and my eq score was a 499, tu 566. So I agree Macy's is easy.

Re: "EASY" STORE CARDS

Roxlie — Wed, 25 Feb 2009 18:09:26 GMT

Bankruptcy in 2006 No baddies since then. Currently I have 13 cards. Most are 2k+ limits. As of last week, my EQ score is 666. I tried Macy's this morning and they don't want anything to do with me.

Re: "EASY" STORE CARDS

smallfry — Wed, 25 Feb 2009 20:10:48 GMT

Walmart is easy. I wouldn't bother with Target I know a few people in the mid high 700's who got $300 credit limits from them. IF you shop at Macy's that might be the way to go. It's getting to be a crapshoot these days.

Re: "EASY" STORE CARDS

Anonymous — Wed, 25 Feb 2009 20:13:24 GMT

I just went to Banana Republic today. I bought a shirt and opened a Banana Card account. I only have 1 CC and a Dell and Zales account.

My scores are 690, 661, 683

4 year credit history

Awesome card as I got 15% off my purcahse. I also get 10% off any time I buy something there.

$800 credit limit as well

Re: "EASY" STORE CARDS

Anonymous — Thu, 26 Feb 2009 19:17:12 GMT

Based on my scores in siggy , any suggestions , what about gas cards ?

Re: "EASY" STORE CARDS

haulingthescoreup — Thu, 26 Feb 2009 19:35:23 GMT

On the FICO score reports (I'm assuming that these are FICO's, bought here on this site --I think you said that somewhere else), what are given as your positives and negatives on screen two, the one with the scale balance? (EX only gave negatives and didn't display a balance.)

In other words, what's keeping your score down? I'm guessing that you probably ought to do some clean-up before getting a card, depending on what's going on there.

Re: "EASY" STORE CARDS

Creditaddict — Thu, 26 Feb 2009 23:23:29 GMT

Macy's still gives GLI every 3 months if you call like clockwork! If a rep tells you otherwise, I would hang up and call back.

Re: "EASY" STORE CARDS

Anonymous — Fri, 27 Feb 2009 01:34:53 GMT

@haulingthescoreup wrote:
@LisaJ wrote:
Macy's, JC Penney's, Best Buy, Kay Jewelers.

Agree, except for the Best Buy card. HSBC --yikes!!

BBY is pretty good I think. I mean customers at my store get approved for like 10,000and so on.

Re: "EASY" STORE CARDS

haulingthescoreup — Fri, 27 Feb 2009 01:38:24 GMT

I'm happy with my store card. But I would never call it an easy store card to get.

And since HSBC gives you their (mostly) sad MC if you don't qualify for the store card, you're then headed down that fun road.

If I'm going to be declined, I want to be declined, not shunted off onto something I don't really want.

Re: "EASY" STORE CARDS

Anonymous — Fri, 27 Feb 2009 01:50:57 GMT

@haulingthescoreup wrote:
I'm happy with my store card. But I would never call it an easy store card to get.

And since HSBC gives you their (mostly) sad MC if you don't qualify for the store card, you're then headed down that fun road.

If I'm going to be declined, I want to be declined, not shunted off onto something I don't really want.

I guess this is when you apply online for the BBY card and get declined you get offered the RZMC...or something, because in store we give you the option on what card you want and apply you for that card you request. Which that sounds kidna of crappy, but I would always recommend if you want the BBY card apply in store not online.

Re: "EASY" STORE CARDS

fishbjc — Fri, 27 Feb 2009 15:51:15 GMT

Shell but they're inquiry driven. I had 7, and declined. 2 bumped off and I was approved. Small limit to begin with $250, and a $100 increase at month 6. woopie.

Re: "EASY" STORE CARDS

Anonymous — Fri, 27 Feb 2009 17:27:32 GMT

Target starts most at $200, Wal-Mart is through GEMB, you never know when that CLD will hit. Target generally has low starting limits unless you qualify for their Visa, but I think they are more stable than GEMB. I did get a CLI from Target after 3 months.

Re: "EASY" STORE CARDS

Anonymous — Sat, 28 Feb 2009 22:27:10 GMT

See im not looking for the "EASY" , pay us $100 per year 35% interest , im just looking for a card with a lower credit limit to start , decent ( not super) interest , that my credit pull hit will be worth it and I can use it like so many others to rebuild my credit.

I was mostly looking forgas ones , because I would use it that much and my tank takes $35-45 to fil and can be paid easily..

Thank you all..