SEARS MasterCard!!

[Creditaddict]

half this thread is YEARS old I want to point that out which is when it use to have the secondary offer by HSBC.

[Skye12329]

---

@Creditaddict wrote:

---

@Skye12329 wrote:

I actually work at sears. The card isnt for rebuilding credit. I will tell you now the cashiers prey on everyone. It is run by Citi Bank. However if Citi cannot approve you then Barclays may offer you a card with a AF. The cashiers also get paid for every application even if its declined. 

---

Barclay backs a 2nd tier Sears MC Now??

---

Only if Citi bank cant approve you, Barclays may offer you a MC with a AF it is possible to get a no AF the card looks similar to the arrival card

[One7]

---

@DieGo2SHAE wrote:

---

@One7 wrote:

Maybe they get some kind of bonus for getting people to apply or approved for one and the person was just saying what he thought you wanted to hear. Citi-backed cards are definitely not a card for rebuilding though.

---

This is the reason. I used to work at Sears at we get paid for each application we process, same amount for both the MC and store card, whether they're approved or not. However, you also get in trouble if you dont process enough applications per certain number of transactions (and not by dollar amount, but just by the number of transactions, so have fun trying to convince someone to open a credit card when theyre buying a pack of gum!) so everyone would make up a bunch of crap to try to get people to apply for the card. And if youre gullible enough to say yes, you'd better believe we'd casually suggest that you apply for the second one 'at the same time since it only takes a few seconds longer'.

Basically, unless you know for certain that what the clerk is saying is true, be wary. Or just look for a better card to apply for because the Sears MC sucks anyways =P

---

I figured that was the case. My sister used to work at Home Depot and they have similar policies when it comes to preying on people, pushing their CCs on them. Both backed by Citi... hmmmm... coquensedense?

[capitalkid]

I have this card, I started with the Store Version Jan 2011, in Jan of 2013 I was given an upgrade to the  MC version.