Anyone know any national furniture store card easy to get?

[MichiganMommy]

I live in Michigan....of course, I am MM (MichiganMommy).

[Too_much_debt]

Don't know if national, but what about Art Van?

[MichiganMommy]

Thanks for the response. They have a BIG note on their page that says don't apply if you have had credit problems in the last 7 years. I guess they wan't someone more perfect. That won't work for me....

[Anonymous]

Alot of furniture stores will use Citi Financial, Wells Fargo, GE, etc.

I was able to get financing at my local furniture store through GE.

[Anonymous]

Just be aware that a lot of these loans are a minor ding on your credit report because they are considered "consumer finance loans." In general its not so much that they hurt your report but they do not help as much as a normal tradeline. If you have few other problems on your report you may see it listed as a negative.

[fused]

So long as the card reports as a revolving account, it will not be coded as a CFL. There is no such thing as a CFL card or revolving account.

[Anonymous]

This CFL thing is tricky.

I want to finance some new furniture for my home. I would rather finance with somewhere offering an installment loan as opposed to a CC. If I finance with a CC, then my util will spike, and my scores will tank.

I did some thinking about it. It seems like getting a standard loan from NFCU or using my NFCU CC (low interest rate) might be optimal to financing in store. They always offer like 12 months no interest, but after that their interest rates are always in the 20s, which is gross.

[Too_much_debt]

Nice of them to warn you...

[Anonymous]

if you are just trying to get furniture and not a new tl, have you tried Aaron's? Not sure if there is one in Michigan or not. That's who we bought our furniture through- its a "buy here, pay here" place but has really good customer service and products

[Anonymous]

Thanks to AArons my credit is awesome! i had bought a couple of furniture items like 6 items between 2002-2008 and i paid them and they reported paid as agreed as a installment loan and this helped my score also they have 90 days same as cash options!