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thanks so much!!
I got the Saks store card last November. My score then was around 630 with an 80% util and they still gave me $750. Applied online and got approved right away.
Thanks my utilization is 31% and my scores are TU 626 EXP 669 EQ 637. Im building credit and I only have major cards..I dont have any store cards at all. I'm afraid to get denied and then I have to deal with the hard pull for 1 year...do you recommended I do all 3 at one time?
@yudeology101 wrote:I wasn't here. I didn't say anything. please let MJ know...thanks.
LOL!!!
And do you think its best to apply online or in store?
In store
would you mind telling me why you prefer in store? thanks
On my macys, Tjx and kohls all were instantly approved when I did them online they weren't .. Just my personal experience.l
So you did them online first? How long did you wait before you went in store and did them?
Oh gosh let me think! Kohls I did between February 2013 and October 13 both denials and in December in store approved. Macys in store approved march 2013 and tjxb.october 13 in store.. That one was at work and thank god it was approved! When it was with chase I did it online and declined and macys I tried numerous times online overbabcourse of about 2 years. It's embarrassing for me to get declined in store.. But it works better for me when I applied for these csrds ...