topic Re: In-Store Credit Application in Credit Cards

In-Store Credit Application

Veritas — Wed, 18 Dec 2013 19:57:14 GMT

If I apply at the register for a card like Macy's or Brooks Brothers, will I be required to provide my employment and annual income information?

Re: In-Store Credit Application

Credit-hoarder — Wed, 18 Dec 2013 20:26:48 GMT

Don't know about the employment and income verification, but Macy's did ask me for a major credit card when I app-ed in-store.

Re: In-Store Credit Application

09Lexie — Wed, 18 Dec 2013 21:10:23 GMT

Providing an ability to pay is pretty standard for credit apps.

Re: In-Store Credit Application

FinStar — Wed, 18 Dec 2013 23:37:57 GMT

@09Lexie wrote:
Providing an ability to pay is pretty standard for credit apps.

Can't bypass that field/info.

Re: In-Store Credit Application

Creditaddict — Wed, 18 Dec 2013 23:56:19 GMT

@Veritas wrote:
If I apply at the register for a card like Macy's or Brooks Brothers, will I be required to provide my employment and annual income information?

I believe the Macy's one will ask you to click on the screen a "range" for income... that's all

most likely pretty similar at all the store since it's instant credit it's going to pretty much go off your credit rating and that you "say" you have income... they are not going to ask for paystubs like if buying a car if they are concerned!

Re: In-Store Credit Application

Anonymous — Thu, 19 Dec 2013 00:12:31 GMT

I'd be more open to department store cards (mainly a Target Card) if they didn't require a hard pull. Whenever they ask me to apply I say "No thanks, I can't afford the credit hit" and just leave it at that.

Chances are they have no idea what a hard pull is and just want to open a card for commission. Then they respond "well we do offer debit cards" as if thats beneficial in any way.

I would tend to think that the only benefit to a department store debit card is eventually getting preapproved for the credit card without a hard pull...and even that is a long shot.

Re: In-Store Credit Application

Creditaddict — Thu, 19 Dec 2013 00:16:03 GMT

@Anonymous wrote:
I'd be more open to department store cards (mainly a Target Card) if they didn't require a hard pull. Whenever they ask me to apply I say "No thanks, I can't afford the credit hit" and just leave it at that.

Chances are they have no idea what a hard pull is and just want to open a card for commission. Then they respond "well we do offer debit cards" as if thats beneficial in any way.

I would tend to think that the only benefit to a department store debit card is eventually getting preapproved for the credit card without a hard pull...and even that is a long shot.

Target and Nordstrom are the only stores I know of that have a debit card and if you like to pay cash but still earn the rewards I guess they are great but I rather have the credit card and places like Macy's almost make it silly to shop at without the store card becuase you are usually loosing 15-20% discount just for not using a macy's store card!!!

Re: In-Store Credit Application

Anonymous — Thu, 19 Dec 2013 02:05:45 GMT

15 to 20 percent can come in handy....especially if combined with the friends and family 25 percent off if they are still offering it. Damn HP's though. Do you know what Macy's or Target pulls?

Just saw a Macy's AMEX....hmmmm...

Re: In-Store Credit Application

Creditaddict — Thu, 19 Dec 2013 02:15:05 GMT

@Anonymous wrote:
15 to 20 percent can come in handy....especially if combined with the friends and family 25 percent off if they are still offering it. Damn HP's though. Do you know what Macy's or Target pulls?

Just saw a Macy's AMEX....hmmmm...

Macys pulls EX... Apply in store!

target use to be EQ

Re: In-Store Credit Application

Anonymous — Mon, 23 Dec 2013 02:31:38 GMT

@Creditaddict wrote:
@Anonymous wrote:
15 to 20 percent can come in handy....especially if combined with the friends and family 25 percent off if they are still offering it. Damn HP's though. Do you know what Macy's or Target pulls?

Just saw a Macy's AMEX....hmmmm...
Macys pulls EX... Apply in store!
target use to be EQ

My EX and EQ is loaded with inquiries...need one who is TU friendly!

Re: In-Store Credit Application

FinStar — Mon, 23 Dec 2013 02:56:01 GMT

@Anonymous wrote:
@Creditaddict wrote:
@Anonymous wrote:
15 to 20 percent can come in handy....especially if combined with the friends and family 25 percent off if they are still offering it. Damn HP's though. Do you know what Macy's or Target pulls?

Just saw a Macy's AMEX....hmmmm...
Macys pulls EX... Apply in store!
target use to be EQ

My EX and EQ is loaded with inquiries...need one who is TU friendly!

Target can also be TU depending on the region. A friend of mine applied over a year ago and was approved for the REDcard $1,500, they pulled TU (in OH). Of course, you know how Target can be with assigning low CLs if your profile is less than ideal so YEMV.

Re: In-Store Credit Application

DigitalArk — Mon, 23 Dec 2013 02:58:17 GMT

I did when I apped for my Costco Amex.

Re: In-Store Credit Application

Boragard — Mon, 23 Dec 2013 03:21:17 GMT

@Veritas wrote:
If I apply at the register for a card like Macy's or Brooks Brothers, will I be required to provide my employment and annual income information?

As a former employee of Macy's yes you must include your annual income and employment information on your credit application. Furthermore, don't ask for your definitive credit limit because they no longer provide A specified number. There will be times where you may even be asked to put down a certain amount of cash, then pay the rest on your account.

Re: In-Store Credit Application

Creditaddict — Mon, 23 Dec 2013 03:44:53 GMT

@Boragard wrote:
@Veritas wrote:
If I apply at the register for a card like Macy's or Brooks Brothers, will I be required to provide my employment and annual income information?
As a former employee of Macy's yes you must include your annual income and employment information on your credit application. Furthermore, don't ask for your definitive credit limit because they no longer provide A specified number. There will be times where you may even be asked to put down a certain amount of cash, then pay the rest on your account.

I don't know how long ago you worked for them but they don't ask for employer anymore... just a range of income.

they also do report and give credit lines again, they did away with the very unpopular no pre-set limit thing they tried.

Re: In-Store Credit Application

manwoot — Mon, 23 Dec 2013 03:50:57 GMT

@Anonymous wrote:
@Creditaddict wrote:
@Anonymous wrote:
15 to 20 percent can come in handy....especially if combined with the friends and family 25 percent off if they are still offering it. Damn HP's though. Do you know what Macy's or Target pulls?

Just saw a Macy's AMEX....hmmmm...
Macys pulls EX... Apply in store!
target use to be EQ

My EX and EQ is loaded with inquiries...need one who is TU friendly!

I just apped for a REDcard from Target a week ago. They pulled TU for me (Minnesota) if that helps