Applying at stores vs. online

[WhirledPeasPlease]

The only stores I've app'd in person in the past 5 years were a furniture store (CFL thru American General -- requested and rec'd 4k) and Ikea (2.8k).  At Ikea you just go up to a kiosk (like an ATM) and enter your info.  I was treated quite nicely by both of these stores even tho my scores were just below 700.

[haulingthescoreup]

I would strongly advise knowing where you are before you app in the store. In my pre-myFICO, credit oblivion days, I was asked at Kohl's check-out if I wanted to app. Not knowing or caring that a 30-day had just posted on another account, I said sure. Several dozen other shoppers watched in fascination as I was shot down.

Just know what you're doing first.

[Anonymous]

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@haulingthescoreup wrote:
Not knowing or caring that a 30-day had just posted on another account, I said sure. Several dozen other shoppers watched in fascination as I was shot down.

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Heh, sounds wonderful. Did they point fingers? Or just smug looks?

[haulingthescoreup]

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Ulan wrote:

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@haulingthescoreup wrote:
Not knowing or caring that a 30-day had just posted on another account, I said sure. Several dozen other shoppers watched in fascination as I was shot down.

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Heh, sounds wonderful. Did they point fingers? Or just smug looks?

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No, this is the South. Horrified fascination ruled the day!