topic Re: Easy store card to get? in Credit Cards

Easy store card to get?

Anonymous — Fri, 03 Aug 2012 07:11:43 GMT

I'm in the process of rebuilding my credit. I have 3 cards opened between june-july 2012. Cap sec 200, boa sec 300, and wells fargo sec 300. I wanted to get a store card. What are some generally easy store cards to get approved for? I was looking into amazon(ge) and walmart (GE) since I use both stores.

Re: Easy store card to get?

Anonymous — Fri, 03 Aug 2012 07:21:18 GMT

I would have to throw in JCP (GE) as other easy-to-get card.

Re: Easy store card to get?

Repo-ed — Fri, 03 Aug 2012 21:00:17 GMT

JCP, Belk, Kohls, Walmart

www.whogavemecredit.com The link was dead but is now corrected - MarineVietVet, myFICO moderator

Re: Easy store card to get?

codimom — Fri, 03 Aug 2012 14:32:09 GMT

Target Red Card. they were actually my first on my rebuilding 'journey'

Re: Easy store card to get?

flowfaster — Fri, 03 Aug 2012 14:51:43 GMT

Is kohls a tripple pull since its cap1? Are they really that easy to get? My dgf scores are 625 do you think she has a chance with recent baddies?

Re: Easy store card to get?

Anonymous — Fri, 03 Aug 2012 15:18:18 GMT

@Anonymous wrote:
I would have to throw in JCP (GE) as other easy-to-get card.

+1. It's an easy approval and will grow nicely.

Re: Easy store card to get?

Anonymous — Fri, 03 Aug 2012 15:30:51 GMT

@codimom wrote:
Target Red Card. they were actually my first on my rebuilding 'journey'

If you ever want to have a decent limit with Target in the future, I would suggest holding off on that. Target Bank is very similar to Capital One, in that they will reward prime applicants with a higher limit and a better APR, but their cards will never grow with you.

As a former Target team member, I issued hundreds of REDcard credit cards, from $200 limits at 22.9% APR, to $6000 limits and beyond at 12.99% APR. As a current REDcard holder, I can attest to the fact that they do not grow with you. Thinking about closing mine since I don't really shop there anymore, and I still have a REDcard debit card that offers the same 5% discount at POS.

Re: Easy store card to get?

GodivaD — Fri, 03 Aug 2012 16:21:35 GMT

Fingerhut

Re: Easy store card to get?

compassion101 — Fri, 03 Aug 2012 16:47:31 GMT

@Anonymous wrote:
@codimom wrote:
Target Red Card. they were actually my first on my rebuilding 'journey'

If you ever want to have a decent limit with Target in the future, I would suggest holding off on that. Target Bank is very similar to Capital One, in that they will reward prime applicants with a higher limit and a better APR, but their cards will never grow with you.

As a former Target team member, I issued hundreds of REDcard credit cards, from $200 limits at 22.9% APR, to $6000 limits and beyond at 12.99% APR. As a current REDcard holder, I can attest to the fact that they do not grow with you. Thinking about closing mine since I don't really shop there anymore, and I still have a REDcard debit card that offers the same 5% discount at POS.

Could you close and reapply later, would they consider you for a better CL/rate then?

Re: Easy store card to get?

kobe2012 — Fri, 03 Aug 2012 17:36:15 GMT

I would say GE store cards (walmart, jcp, gap, american eagle, old navy, etc) and WFFNB (victoria secret, express, jcrew, buckles, etc) -- > I heard some of these you can get approved without hard pull if you get prequalified.

Re: Easy store card to get?

getmycreditright — Fri, 03 Aug 2012 17:45:01 GMT

Jared. My scores back then were around 570 and they showed me some love with a $1600 CL. That helped me buy my now wife her engagement ring. After I paid it off, they bumped me up to $2600.

Re: Easy store card to get?

Anonymous — Fri, 03 Aug 2012 19:12:23 GMT

^ He went to Jared's.

Re: Easy store card to get?

Anonymous — Fri, 03 Aug 2012 20:50:24 GMT

I was denied Walmart with CS 630 . I have 3 CC's for 2yrs, no lates, low util. Banana Republic/Gap/etc pulls all three CR. I was heated it showed up in the email they sent me. Target, Victoria secret were instant approvals but remember when applying a lot of creditors look at the number of inquires you have in a time period also.

Re: Easy store card to get?

Anonymous — Fri, 03 Aug 2012 20:56:46 GMT

Yes I think I'm just going to sit on these 3 cards for 6 months to a year before I app for anything new. I will try to increase there limits when I have extra cash.

Re: Easy store card to get?

lithium78 — Fri, 03 Aug 2012 23:40:30 GMT

Walmart and Target Redcard both approved me with scores in the 500s. They were instrumental in rebuilding my credit.

Re: Easy store card to get?

Anonymous — Sat, 04 Aug 2012 00:05:24 GMT

Does walmart report to all 3 bureaus? What bureau does walmart pull? How long of a credit history did you have? What baddies did you have at the time? Thanks.

Re: Easy store card to get?

jamesdwi — Sat, 04 Aug 2012 00:50:02 GMT

@jconvinced wrote:
I'm in the process of rebuilding my credit. I have 3 cards opened between june-july 2012. Cap sec 200, boa sec 300, and wells fargo sec 300. I wanted to get a store card. What are some generally easy store cards to get approved for? I was looking into amazon(ge) and walmart (GE) since I use both stores.

with those limits you have focus on GE backed cards cards.... CLI's every 4 months if you use the card, card doesn't even need to be zero balance when you make the request via the automated phone system. In 8 months it will easily be your highest CL and may be even double.

Re: Easy store card to get?

Revelate — Sat, 04 Aug 2012 03:37:37 GMT

You have three cards, you don't need another for building purposes at all.

Is there any reason you want a store card? It does next to nothing for you FICO wise, so unless there's some specific reward it offers (vis a vis Target discount or a financing option) there's not really any point in my opinion at least.

Re: Easy store card to get?

Anonymous — Sat, 04 Aug 2012 07:02:51 GMT

free TU FICO was one of the reasons.

Re: Easy store card to get?

lithium78 — Sat, 04 Aug 2012 12:43:09 GMT

@jconvinced wrote:
Does walmart report to all 3 bureaus? What bureau does walmart pull? How long of a credit history did you have? What baddies did you have at the time? Thanks.

Walmart reports to all 3 bureaus. They pull TU. At the time of application, I had AAoA of 5 years and over 20 baddies reporting. They started me off with a $300 CL and they gave me increases every 4 months when I requested it. They were a really important part of my rebuilding process and after two and a half years they upgraded me to a Walmart Discover after my situation improved.