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Need tires, whos the easiest to get approved by ?

JOHNINAZ
New Contributor

Re: Need tires, whos the easiest to get approved by ?

So now I have credit card remorse. First off I just dont like Firestone so I took that off the list. I checked Paypal and they say they offer a minimum of $250 so I was worried that would happen then it would kind of defeat the purpose of paying for the tires on credit if I had to drop 3/4 of the purchase price out of my pocket.

 

So I decided to try Walmart and was approved (YEAH!) for $700.00. I was fine with this until I sourced the tires I needed and lone behold the listed ones they have are not 100% identical to the OE recommended. Ive been in the automobile biz for 40 years so I know they will still work but I was kinda PO'ed because I searched the exact size then forgot to actually check they were instead I just looked at the price instead of the size, 255/60R19 not 255/55R19's.

 

Well this had me thinking maybe I should just try Discount Tire, they have the exact ones I would like which are $975 (installed bla bla bla) but they have 2' $100 mail in rebates if I buy they by tomorrow. One for buying 4 tires and the other for using there credit card.  Whoo Hooo..... I can get there card, buy the tires then use the $200 on the Visa gift cards to apply towards the balance.... perfect plan huh ?  It was until they DENIED ME !!!!!! They claim not enough revolving credit (via Experian) and not enough history !!!! 

 

UGH !!!! in closing again, thank you from all who offered an opinion. I ended up buying the Walmart ones (which are fine) but I am PO'ed at myself now because I have 2 pulls I am sure, and one is a denial !

 

Oh well life goes on, least I get 6 months no finance charge on the Wally World card, that will be paid off so they are still interest free :-)


Starting Score: 539
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Goal Score: 750


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Message 11 of 24
D-Day
New Contributor

Re: Need tires, whos the easiest to get approved by ?


@JOHNINAZ wrote:

So now I have credit card remorse. First off I just dont like Firestone so I took that off the list. I checked Paypal and they say they offer a minimum of $250 so I was worried that would happen then it would kind of defeat the purpose of paying for the tires on credit if I had to drop 3/4 of the purchase price out of my pocket.

 

 

 

Just as an FYI, Paypal Credit may approve you for a purchase above your limit if you qualify. Pretty much the only way to get CLIs from them. If you try to purchase something above your limit through, say, an eBay listing and you're not approved, it just won't go through and you can just not try again with that payment method. No harm, no foul.

Message 12 of 24
elim
Senior Contributor

Re: Need tires, whos the easiest to get approved by ?

another FYI, I would have recon'd the waly limit before i put anything on the card.

 

congrats on the tires!

Message 13 of 24
Stralem
Established Contributor

Re: Need tires, whos the easiest to get approved by ?

Dude, just find a local car shop or a small independent tire shop and get a set of four for like $100.

 

They'll probably be mismatched (different brands), but they'll have tread. Just make sure they don't sell you a patched tire.

 

Best of all, these types of places only operate on cash, so there's no paper trail.

 

Been using these places for years without any problems.

I Have Way Too Many of These.

American Express - 7 Years & Counting Without a CLI

Citibank - Handing out CLIs Like Candy

Chase - Surprisingly, Still Tolerating My Credit-Chasing Ways

Bank of America - They REALLY Like Me For Some Reason...

Errrrr'one Else - Because I'm Lazy
Message 14 of 24
Nixon
Super Contributor

Re: Need tires, whos the easiest to get approved by ?


@Stralem wrote:

Dude, just find a local car shop or a small independent tire shop and get a set of four for like $100.

 

They'll probably be mismatched (different brands), but they'll have tread. Just make sure they don't sell you a patched tire.

 

Best of all, these types of places only operate on cash, so there's no paper trail.

 

Been using these places for years without any problems.


I agree here for trying to find ONE replacement tire, a common OEM brand but otherwise I can't say just how potentially unsafe this is.

EX FICO  16 INQ  791
EQ FICO  10 INQ  786
TU FICO  12 INQ  790
Total CL$477,00038 TL
Message 15 of 24
Stralem
Established Contributor

Re: Need tires, whos the easiest to get approved by ?


@Nixon wrote:

@Stralem wrote:

Dude, just find a local car shop or a small independent tire shop and get a set of four for like $100.

 

They'll probably be mismatched (different brands), but they'll have tread. Just make sure they don't sell you a patched tire.

 

Best of all, these types of places only operate on cash, so there's no paper trail.

 

Been using these places for years without any problems.


I agree here for trying to find ONE replacement tire, a common OEM brand but otherwise I can't say just how potentially unsafe this is.


Only two blow outs in five years. They comped me a free tire and a $50 Visa gift card as an apology.

 

It was pretty nice.

I Have Way Too Many of These.

American Express - 7 Years & Counting Without a CLI

Citibank - Handing out CLIs Like Candy

Chase - Surprisingly, Still Tolerating My Credit-Chasing Ways

Bank of America - They REALLY Like Me For Some Reason...

Errrrr'one Else - Because I'm Lazy
Message 16 of 24
B335is
Moderator Emeritus

Re: Need tires, whos the easiest to get approved by ?

I can't see your scores since I'm on mobile but Firestone is probably the easiest. But the Paypal/ebay method suggested is probably the smartest way.
Message 17 of 24
Erusidhion
Frequent Contributor

Re: Need tires, whos the easiest to get approved by ?

    Note: Didn't read your update. Can you get the tires you want on the website and just have them shipped to the store and then installed? Smiley Sad It's still a good card to have though! They are generous on their CLIs.  

 

    Wal-mart Credit Card is a good way to go. You can get 6/12/18/24 months 0% apr financing depending on how much you spend in one go. They have a coupon you can print out and just take into the store with you. Hell, you could put 6 months of groceries on 24 months 0% financing if you truly wanted. It's one of the better cards to carry for a lot of situations since Wal-mart sells pretty much everything. I am not sure if you can use the same offer buying stuff online; I haven't tried. Good luck though! Buying tires sucks but if you balance/rotate and take care of them they can last a long time. Be proactive and protect your investment.

EQ 654 -- 43 Inquiries
TU 695 -- 54 Inquiries
EX 668 -- 50 Inquiries

Utilization: 9% AAoA: 20 months Total History: 3Y
Updated: 08/04/2017 Premier 3B
Message 18 of 24
CardnalSyn
Regular Contributor

Re: Need tires, whos the easiest to get approved by ?


@Stralem wrote:

Dude, just find a local car shop or a small independent tire shop and get a set of four for like $100.

 

They'll probably be mismatched (different brands), but they'll have tread. Just make sure they don't sell you a patched tire.

 

Best of all, these types of places only operate on cash, so there's no paper trail.

 

Been using these places for years without any problems.


Three things you never buy used:

1. Tires

2. Mattresses

3. Underwear



Starting Score:586 Current Score(5/20/16):???(EQ) 685(TU) 690(EX) Goal Score:700
Message 19 of 24
racer-x
Valued Contributor

Re: Need tires, whos the easiest to get approved by ?

Eru - You may be able to have the tires shipped to the store, but I believe it will VOID ebay/Paypal coverage/guarantee.

They can't cover/protect your items if you choose to ship them somewhere else and a 3rd party loses them, damages them, steals them, etc...

 

I could be wrong, but I'm a long time ebayer/paypal acct holder and do a lot of business there.

Message 20 of 24
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