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Total CL: $321.7k | UTL: 2% | AAoA: 7.0yrs | Baddies: 0 | Other: Lease, Loan, *No Mortgage, All Inq's from Jun '20 Car Shopping |
Store cards themselves dont disgust me.. Store cards with low limits and not worth the rewards bother me, also store cards obtained via the Shopping Cart Trick *DO* disgust me.. I have an Amazon Prime sub so I have to weigh the options... And this is a case where some of the rewards surpass their prime lender card (Chase Amazon)... Plus as someone said.. Store cards do hit your insurance score harder than a prime lender card... And as someone mentioned.. Some quarterly rewards cards can pinch hit for this... but if you use amazon year round (which I do).. its tempting to apply (esp in the third quarter since im waiting for my score to settle down after a few apps and discover will cover the 5% for next quarter... during the wait/gardening)
Some folks have had success applying for a fistful of low value store cards.. Its just not the road I wish to partake... rather take the other path....
Hence why the idea is still a bit unsettling.. but the name of the game is rewards on what you already spend....
-J