topic Re: Store Cards for Rebuilders in Credit Cards

Store Cards for Rebuilders

prolificjinx23 — Sat, 10 Sep 2011 19:03:56 GMT

Are there any store cards that will approve me with the scores I have below?? As of now the cards that I do have are 2 Cap One (1 mine & 1 AU) $500 CL each, AU Discover $1000 CL, AU Walmart $800 CL...... Not in a ny rush just tempted....

Re: Store Cards for Rebuilders

creditguy-378 — Sat, 10 Sep 2011 19:12:28 GMT

I would go with gemb or wffnb or Macy's but if you want to get something for sure get fingerhut they report to the CB all 3 for me some say they only report to 2 of them though

Re: Store Cards for Rebuilders

coldnmn — Sat, 10 Sep 2011 19:35:59 GMT

Maybe check on the site Who Gave Me Credit and use the search by score. Maybe you can see by that where you have a chance at getting a card.

Re: Store Cards for Rebuilders

Anonymous — Sat, 10 Sep 2011 23:37:13 GMT

Target is one of the easier cards, but you have to apply in the store.

Macy's is also said to be easy.

Re: Store Cards for Rebuilders

missji — Sun, 11 Sep 2011 00:07:39 GMT

I was approved for Macy's in December 2010 with scores in the mid 500s. It was an instant approval for $100 but was raised to $400 the same day by calling customer service. Was stuck there for what seemed to be a loooooong time with declines for anything above about $414. I've used the card every month and PIF every month since it was opened. Now, I was able to use it for purchases totaling $1900 with no decline last week (paid it in full yesterday as well). I really just wanted to see how far I could go since they say they don't have credit limits anymore so to speak. But they have something because I used to get declined for charges over my prior limit but don't anymore.

Re: Store Cards for Rebuilders

Anonymous — Sun, 11 Sep 2011 03:35:15 GMT

@Anonymous wrote:
Target is one of the easier cards, but you have to apply in the store.
Macy's is also said to be easy.

+1 for Target. Plus the permanent 5% off everything doesn't hurt either.

Re: Store Cards for Rebuilders

Booner72 — Sun, 11 Sep 2011 03:57:19 GMT

I have had better luck X3 by applying in the store than online. JCP gave me a 300 limit in 2007, only 2 years post-BK and I don't know what my scores were but they weren't good.

Lowe's approved DH at the store, but Home Depot declined - we were in the store at Lowe's, Home Depot was online.

CareCredit gave me 1000K line of credit from the dentist's office -- but last week declined me when I requested online.

Maybe this is just my luck. But maybe the banks thing you are def. going to use the card if you are at the register and are more lenient??

Re: Store Cards for Rebuilders

Anonymous — Sun, 11 Sep 2011 04:34:47 GMT

@Booner72 wrote:

CareCredit gave me 1000K line of credit from the dentist's office -- but last week declined me when I requested online.

Is this typo or you really mean 1000K?

Re: Store Cards for Rebuilders

Anonymous — Sun, 11 Sep 2011 04:54:29 GMT

1000k??????????

Re: Store Cards for Rebuilders

Mekitcat — Sun, 11 Sep 2011 14:58:57 GMT

@Anonymous wrote:
@Booner72 wrote:

CareCredit gave me 1000K line of credit from the dentist's office -- but last week declined me when I requested online.

Is this typo or you really mean 1000K?

I'm sure Booner meant 1g, its funny I over looked that and just took it as 1g it wasn't until you asked that, that I seen it lol

Re: Store Cards for Rebuilders

Anonymous — Sun, 11 Sep 2011 15:20:48 GMT

Gemb was my first store card I got when I was rebuilding, the PayPal Smart Connect Card, 500CL, my scores had to be in the 585-610 range back then, if you do a lot of online shopping, most stores accept PayPal nowadays.

Best of Luck!

Re: Store Cards for Rebuilders

Anonymous — Sun, 11 Sep 2011 16:06:27 GMT

@prolificjinx23 wrote:
Are there any store cards that will approve me with the scores I have below?? As of now the cards that I do have are 2 Cap One (1 mine & 1 AU) $500 CL each, AU Discover $1000 CL, AU Walmart $800 CL...... Not in a ny rush just tempted....

I got a Walmart Store card and a Macy's store card when I was just beginning to rebuild. I got a Fingerhut card too that I never use, but they only report to two CB's. If I recall, my scores were much lower than the ones you have listed.

Re: Store Cards for Rebuilders

prolificjinx23 — Tue, 13 Sep 2011 16:56:36 GMT

****UPDATE****

I decided Monday morning that I would bite the bullet & apply for a Macy's card..... After 10 hours of waiting for an email I received a call from a Macy's rep confirming that I applied online for a Macy's card (due to fraud alert on EX).... I asked her how's it looking & she responded "I have you approved, I just have to complete the application confirming that I spoke to you"..... I was ultra excited until 5 minutes later I received a letter from Macy's stating 10-14 days...... UGH

I decided to call the backdoor # for a RECON & the rep told me I was approved but unfortunately when you apply online the system the reps at the call centers use don't have access to a key system the helps them verify your address...... I asked her how come since they have a copy of my credit report. She goes on to say because of issues with people trying to commit fraud, if they're unable to verify any key points of an application the customer usually gets declined. That it's always best to apply in store because the computers in the stores are fitted to check ID &verify addresses on the spot!

She told me what I need to do is go to a Macy's STORE & reapply - sure it will be another hard hit BUT based on my input on the first app I WILL BE APPROVED!!!!

I will be going to Macy's today "testing the waters"..... I only have a total of 6 INQ's on EX - 3 that drop off by 05/2012 when I plan to apply for my Dream AMEX once my score gets to where it needs!!!!!

Re: Store Cards for Rebuilders

Anonymous — Tue, 13 Sep 2011 17:07:35 GMT

if they said you have been approved, WAIT. dont take another hard inq!!!!!!!!!!!!

Re: Store Cards for Rebuilders

Anonymous — Tue, 13 Sep 2011 17:08:29 GMT

I'm new to this whole credit thing, however that just doesnt seem right. If its just an ID thing, dont they have a process where you can fax in your ID/SSN? Or show it in store? Having to re-apply AND take another HH just doesnt make sense - nor is it customer friendly. If the orignal rep said you were approved, why couldnt they just provided a number for you to fax in ID?

I'm sorry you have to go through all that. Good luck in your quest.

Re: Store Cards for Rebuilders

prolificjinx23 — Wed, 14 Sep 2011 06:06:00 GMT

****UPDATE****

Went to Macy's to reapply & after waiting 3 minutes for a credit analyst to call me (EX fraud alert) I was instantly approved...... Good thing about it is I was able to get the analyst & his supervisor to guarantee (along with their names & ID #'s just in case) that it would only be a total of 1 hard INQ since it was done within 1 day. I've checked my 3rd party credit monitoring service & it only shows 1 INQ. I'll let you guys know of any changes..........

Meanwhile - I'm super happy with my new Macy's card!!!!!! Before I left the store I was able to get them to tell me how much my CL is & they said it is $300.... Not bad for a rebuilder!! Now I have to start shopping & bring that limit up before they start reporting limits come this winter!!!!

Re: Store Cards for Rebuilders

prolificjinx23 — Wed, 14 Sep 2011 06:07:36 GMT

Oh & just to be clear..... After the 10-14 day email when I called again they said that it was DECLINED that's when I decided to call the RECON #.

Re: Store Cards for Rebuilders

Anonymous — Wed, 14 Sep 2011 15:02:35 GMT

@prolificjinx23 wrote:
Meanwhile - I'm super happy with my new Macy's card!!!!!! Before I left the store I was able to get them to tell me how much my CL is & they said it is $300.... Not bad for a rebuilder!! Now I have to start shopping & bring that limit up before they start reporting limits come this winter!!!!

Congrats on your Macy's card - glad you're super happy with it!

Don't worry too much about shopping - when Macy's had GLI's, they grew with or without a bunch of shopping. Use it moderately and only for things you would purchase anyways and of course only for those things that you can PIF. Macy's has an outrageous APR - 24.99% or some such. Definitely not a card to carry a balance on.

And they have a great sale starting today (they always have a great sale somewhere in the store starting in the next day or two......). But I'm needing to replace a blender this week......and they price match - plus the coupons - oh, yeah!

Re: Store Cards for Rebuilders

prolificjinx23 — Wed, 14 Sep 2011 15:58:52 GMT

YES beamMEup!!!! The coupons!!!!! LOL!!!!

Honest;y speaking I've always wanted a Macy's card.... I'm a New Yorker!!! But after all the headaches I've gone thru getting my credit where it is - & I still have lost of work to do - I only intend to buy with cash in hand. That way I can charge my purchases on the Macy's card & then pay the balance with cash at the customer service desk... Exactly what I do with Walmart.

Re: Store Cards for Rebuilders

mAndrew1980 — Wed, 14 Sep 2011 17:01:21 GMT

Awesome!!!!!!!! Great inspiration to me. I think I might apply myself. I really need a second card to assist with the rebuilding. It appears I'm about a year out from getting a real card so I need additional positive credit.