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Browse credit cards from a variety of issuers to see if there's a better card for you.
Worth is always subjective. What one person finds useful, another may find as useless. If you apply for a card, it must have had a benefit that you found useful...to you. Whether it's a store card or a general credit/charge card, this is applicable.
Many folks find home improvement store cards as useful. They can provide various incentives, that a general credit card may not offer. Lowes, for example, can offer a 5% discount off a purchase price, or financing for XX number of months at 0% interest. This is useful for big ticket purchases, say, buying all of your appliances at one place for a kitchen remodel. This can easily run $5000-$7000 or more, and a 5% discount could be a big deal, or financing it for 24 months with 0% interest if paid off within the timeframe.
@Anonymous wrote:
Are there any store cards that are worth getting these days with sites like Ebates and Discover Deals? If so which ones? I see a lot of people get Kohl's and Macys. I read about them and they don't look all that great so if you have them please tell me what I am missing. Just trying to figure out what the benefit would be besides for people who are starting out. The one exception I see is Amazon Store Card. The 5% back is about as good as they come. Also... does FICO care if you have any? FICO doesn't know the diff between a $500 Macy's card and a $500 Visa correct?
Thanks all-and Merry Christmas! 🎄🎁 ⛄️ ❄️ 🎄
I have several store cards, but they serve my needs, so I'm happy with the ones I have, and Kohl's and Macy's are included in that mix. If a card doesn't serve you're needs, then there is no point in applying for it. I have a JCrew card that has a limit of $18k and while I'll never use that much, I do shop there and like that having this liimit provides an extra cushion regarding my utilization.
Merry Xmas to you too.
IMO, there isn't a whole lot of difference between deciding whether a store card is worth getting vs choosing among credit cards.
So, if I never shop at store X, their card probably isn't worth getting, in the same way as if I don't fly, getting an airline card isn't going to useful (ignoring utilization padding nonsense!) If I do shop at store X, and the card gives worthwhile discounts, reward programs, special access sale events etc that I can use and find valuable, then they can be a better choice than a less tailored credit card (and I could have both).
The one caveat: with a store card, consider alternatives, such as discounted gift cards. So the Target (debit or credit) card gives 5% off, free shipping and extended returns. However, it's pretty easy to pick up Target gift cards at ~10% off, and shipping is anyway free if you spend enough etc. In other cases there may be no worthwhile alternative, and the store card is the way to go.
@Anonymous wrote:
Try clearing cookies and cashe
Going incognito works for me as well.
@Anonymous wrote:
The only store cards I would probably consider are:
-Amazon
-Macys
You really can save a ton at Macys when using their card it's crazy!
Amazon card will be good for those who will be losing their Sallie Mae soon.. Like myself.