Sears Credit Card Approval Tips
Author: JaneiR36
Posted: Sun Jul 23, 2006 2:37 pm
Post subject: Why won't Sears approve me?!?!
I've tried twice now to get their card, because I get work done on my car as well as do a little light shopping there every now and then. Why do they keep declining me?!? I guess I'm a big fan of just keep it moving if one company doesn't approve you," but it must be easier said than done! They keep dangling that $15 off your first purchase if approved in front of me but whenever I apply I get knocked down! I feel kind of stupid continuing to give them my business when they won't give me the card so I can get discounts.
My guess is they can see I don't carry a balance from month to month. I will actually call and ask the next time my rejection letter comes in the mail. WTH?!?!
If that doesn't happen, I'll at least consider having my Mom make me an authorized user of her card so I can get any periodical discounts for current card holders (which I do not see too many of those, mostly that first time discount).
Author: mouse
Posted: Sun Jul 23, 2006 4:58 pm
Post subject: Re: Why won't Sears approve me?!?!
Quote:
"JaneiR36"
I've tried twice now to get their card, because I get work done on my car as well as do a little light shopping there every now and then. Why do they keep declining me?!? I guess I'm a big fan of just keep it moving if one company doesn't approve you," but it must be easier said than done! They keep dangling that $15 off your first purchase if approved in front of me but whenever I apply I get knocked down! I feel kind of stupid continuing to give them my business when they won't give me the card so I can get discounts.
My guess is they can see I don't carry a balance from month to month. I will actually call and ask the next time my rejection letter comes in the mail. WTH?!?!
If that doesn't happen, I'll at least consider having my Mom make me an authorized user of her card so I can get any periodical discounts for current card holders (which I do not see too many of those, mostly that first time discount).
DON'T PIF BEFORE THE STATEMENT DATE!!!
Leave $10 or $20
It will start to report something month after month and not look like you
NEVER USE YOUR CREDIT CARDS
I'm not saying pay interest...just change when you pay the account in full
PAYING BEFORE THE STATEMENT DATE HAS IT'S DOWN-SIDE
(I'm assuming you are doing the PIF before
the statement date deal--many do)
Author: davensd
Posted: Sun Jul 23, 2006 5:39 pm
Post subject: Re: Why won't Sears approve me?!?!
[quote="JaneiR36"]I've tried twice now to get their card, because I get work done on my car as well as do a little light shopping there every now and then. Why do they keep declining me?!? I guess I'm a big fan of just keep it moving if one company doesn't approve you," but it must be easier said than done! They keep dangling that $15 off your first purchase if approved in front of me but whenever I apply I get knocked down! I feel kind of stupid continuing to give them my business when they won't give me the card so I can get discounts.
My guess is they can see I don't carry a balance from month to month. I will actually call and ask the next time my rejection letter comes in the mail. WTH?!?!
If that doesn't happen, I'll at least consider having my Mom make me an authorized user of her card so I can get any periodical discounts for current card holders (which I do not see too many of those, mostly that first time discount).[/quote]
Every credit card company has an address to write to if you feel you have been denied cred it in error. If you really feel put down by Sears for not sending you a credit card, I would write to the address given to you on the denial letter and state your case. If you are responsible, prove it to them
Author: mouse
Posted: Sun Jul 23, 2006 5:41 pm
Post subject: Sears Credit Card Approval Tips
Do you have any issues with CITIBANK????
SEARS does not issue the cards
Last edited by mouse on Sun Jul 23, 2006 6:57 pm; edited 1 time in total
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maddybeagle
Credit Expert (100+ Posts)
Joined: 18 Jul 2005
Posts: 688
Posted: Sun Jul 23, 2006 5:54 pm Post subject:
you can easily purchase sears gift cards through cardavenue....they arent very hot sellers....can easily snag for 80-85 cents on the dollar....who needs their credit card....
Posted: Sun Jul 23, 2006 2:37 pm
Post subject: Why won't Sears approve me?!?!
I've tried twice now to get their card, because I get work done on my car as well as do a little light shopping there every now and then. Why do they keep declining me?!? I guess I'm a big fan of just keep it moving if one company doesn't approve you," but it must be easier said than done! They keep dangling that $15 off your first purchase if approved in front of me but whenever I apply I get knocked down! I feel kind of stupid continuing to give them my business when they won't give me the card so I can get discounts.
My guess is they can see I don't carry a balance from month to month. I will actually call and ask the next time my rejection letter comes in the mail. WTH?!?!
If that doesn't happen, I'll at least consider having my Mom make me an authorized user of her card so I can get any periodical discounts for current card holders (which I do not see too many of those, mostly that first time discount).
Author: mouse
Posted: Sun Jul 23, 2006 4:58 pm
Post subject: Re: Why won't Sears approve me?!?!
Quote:
"JaneiR36"
I've tried twice now to get their card, because I get work done on my car as well as do a little light shopping there every now and then. Why do they keep declining me?!? I guess I'm a big fan of just keep it moving if one company doesn't approve you," but it must be easier said than done! They keep dangling that $15 off your first purchase if approved in front of me but whenever I apply I get knocked down! I feel kind of stupid continuing to give them my business when they won't give me the card so I can get discounts.
My guess is they can see I don't carry a balance from month to month. I will actually call and ask the next time my rejection letter comes in the mail. WTH?!?!
If that doesn't happen, I'll at least consider having my Mom make me an authorized user of her card so I can get any periodical discounts for current card holders (which I do not see too many of those, mostly that first time discount).
DON'T PIF BEFORE THE STATEMENT DATE!!!
Leave $10 or $20
It will start to report something month after month and not look like you
NEVER USE YOUR CREDIT CARDS
I'm not saying pay interest...just change when you pay the account in full
PAYING BEFORE THE STATEMENT DATE HAS IT'S DOWN-SIDE
(I'm assuming you are doing the PIF before
the statement date deal--many do)
Author: davensd
Posted: Sun Jul 23, 2006 5:39 pm
Post subject: Re: Why won't Sears approve me?!?!
[quote="JaneiR36"]I've tried twice now to get their card, because I get work done on my car as well as do a little light shopping there every now and then. Why do they keep declining me?!? I guess I'm a big fan of just keep it moving if one company doesn't approve you," but it must be easier said than done! They keep dangling that $15 off your first purchase if approved in front of me but whenever I apply I get knocked down! I feel kind of stupid continuing to give them my business when they won't give me the card so I can get discounts.
My guess is they can see I don't carry a balance from month to month. I will actually call and ask the next time my rejection letter comes in the mail. WTH?!?!
If that doesn't happen, I'll at least consider having my Mom make me an authorized user of her card so I can get any periodical discounts for current card holders (which I do not see too many of those, mostly that first time discount).[/quote]
Every credit card company has an address to write to if you feel you have been denied cred it in error. If you really feel put down by Sears for not sending you a credit card, I would write to the address given to you on the denial letter and state your case. If you are responsible, prove it to them
Author: mouse
Posted: Sun Jul 23, 2006 5:41 pm
Post subject: Sears Credit Card Approval Tips
Do you have any issues with CITIBANK????
SEARS does not issue the cards
Last edited by mouse on Sun Jul 23, 2006 6:57 pm; edited 1 time in total
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maddybeagle
Credit Expert (100+ Posts)
Joined: 18 Jul 2005
Posts: 688
Posted: Sun Jul 23, 2006 5:54 pm Post subject:
you can easily purchase sears gift cards through cardavenue....they arent very hot sellers....can easily snag for 80-85 cents on the dollar....who needs their credit card....
posted by CardRatings.com at 12:16 AM
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