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I sure loved them when I started this rebuild, but I plan on shutting all but 2 down as my overall utilization goes down. Since I pay amazon and VS in full each use, I'm keeping them for the rewards, but these other store cards are worthless next to 2% DC, 1.5% QS, Amex points, etc. I was almost sold on the target store card until I realized the debit gives the same discount.
No real love for them here either! I can't wait to ditch all these comenity cards, except of course for my beloved VS which is a weirdly unecessary sentimental thing.
I was tempted to get Amazon (Synchrony) for higher CL and UTI help, but got over it. Discover is 5% on Amazon from July-Dec (and Discover match for first 12 mos).
My plan is for specific bank/CU cards, no interest in store cards for now. ![]()
I have zero love for store cards (even when I was rebuilding). I'd much rather get airline miles, cash back, or hotel points for my various spend in stores.
The only "possible" itch for me is REI.
What MissingCali said.
My only possible itch would be REI or LL Bean.
There are about 30 store cards I would like to have. Unfortunately It comes with 30 new accounts, AAoA crash, and "too much available credit". So, I'll keep 2 after I close OS at the 2 year mark.
Like the plague, although I do have Amazon prime card. I had a weak moment.
I have Amazon and Home Depot for specific purposes. I like them and use them. That being said, I pretty much do avoid store cards. I prefer my other rewards cards. However, if I found a store card I really wanted and would benefit me, I would consider it. Not for a long time, though, because I am in the garden.![]()
I avoid them now but during my time of rebuid they came in handy and served their purpose. Besides I still find my JCP, Lowes, and Amazon cards very useful. I'll let me Overstock and Walmart store card age until the lender terminates the relationship.
I avoid them like the plague.