You are abosoluelty right! I have 4 revolving accounts, 3 of which are store cards (I shop a lot), and lenders like AMEX and FNBO won't touch me despite my perfect payment history.
Doesn't my mom techically have more bankcards than store cards. Her Sears card has the "Mastercard" logo and reports as a "Credit Card." She also has a JCPenny Mastercard, which reports as a "Credit Card." The only store card she has the JCPenny store card, which reports as a "Charge Account."
She actually just app'd for the AMEX BCE and Citi Best Buy Visa (she was just denied the Citi Double Cash card...odd) and was approved for both of them with 6-digit limits.
I personally think lenders can be weird sometimes. 
Have a great day!
@Anonymous wrote:You are abosoluelty right! I have 4 revolving accounts, 3 of which are store cards (I shop a lot), and lenders like AMEX and FNBO won't touch me despite my perfect payment history.
Doesn't my mom techically have more bankcards than store cards. Her Sears card has the "Mastercard" logo and reports as a "Credit Card." She also has a JCPenny Mastercard, which reports as a "Credit Card." The only store card she has the JCPenny store card, which reports as a "Charge Account."
She actually just app'd for the AMEX BCE and Citi Best Buy Visa (she was just denied the Citi Double Cash card...odd) and was approved for both of them with 6-digit limits.
I personally think lenders can be weird sometimes.
Have a great day!
Citi Best Buy And JCPenny MC and what not are on retail side of lenders not the legacy side.. Different uw standards, etc.
@Anonymous wrote:You are abosoluelty right! I have 4 revolving accounts, 3 of which are store cards (I shop a lot), and lenders like AMEX and FNBO won't touch me despite my perfect payment history.
Doesn't my mom techically have more bankcards than store cards. Her Sears card has the "Mastercard" logo and reports as a "Credit Card." She also has a JCPenny Mastercard, which reports as a "Credit Card." The only store card she has the JCPenny store card, which reports as a "Charge Account."
She actually just app'd for the AMEX BCE and Citi Best Buy Visa (she was just denied the Citi Double Cash card...odd) and was approved for both of them with 6-digit limits.
I personally think lenders can be weird sometimes.
Have a great day!
Any card that has the Visa, MC, AMEX, or Disc logos are not store cards. Your original post did not describe the Sears and JCPenny cards as being visa or MC. I was searching for a reason Citi was denying her, and thought all those store cards might be it, so I am now left wondering also.
@Anonymous wrote:You are abosoluelty right! I have 4 revolving accounts, 3 of which are store cards (I shop a lot), and lenders like AMEX and FNBO won't touch me despite my perfect payment history.
Doesn't my mom techically have more bankcards than store cards. Her Sears card has the "Mastercard" logo and reports as a "Credit Card." She also has a JCPenny Mastercard, which reports as a "Credit Card." The only store card she has the JCPenny store card, which reports as a "Charge Account."
She actually just app'd for the AMEX BCE and Citi Best Buy Visa (she was just denied the Citi Double Cash card...odd) and was approved for both of them with 6-digit limits.
I personally think lenders can be weird sometimes.
Have a great day!
Absolutely awesome job. Your moms scores are great as is her aaol. Fantastic approvals. Remember BB is Citi's retail side. Yes if her Penny's and Sears are MC they are bank cards
. Come back in 6-12 months on the DC, theyll probably come around. Big congrats to Mom again. Remember in 61 days she may apply for a sp cli with Amex if she chooses.