Best Department Stores Credit Cards

Guest: DavidPalmer
Post subject: Best Department Store Credit Cards
Posted: Tue Mar 28, 2006 2:30 pm

I was wondering what department store CC's does everyone have, if any, and do you plan on getting any in the forseeable future. The 2 on my list are Best Buy & Dillards. I will probably hold out until late summer/early fall before applying only for the simple fact that I just started my credit history in September, and just got approved another CC last month, and I don't want to be rejected by these two stores. Not only that, I hoping by the Fall, after graduating in May, I will have had a job, which hopefully will give me a larger CL limit, especially on the Best Buy card

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Guest: rapjunkie
Posted: Tue Mar 28, 2006 3:50 pm

I suppose if you shop at a particular store a lot, it may be worth it for the special deals offered to cardholders, but I generally steer clear of store cards since I don't want to be limited on where I use my card. Plus, store card APRs are always higher than VISA/MC/AMEX rates, so they're poor choices in the event that you need to carry a balance. And finally, I doubt you can make balance transfers to them (although I guess that's no big deal since you wouldn't want to anyway with the higher APRs).

What you may want to consider are store cards that are available as VISA/MC cards, such as the Target Visa and Nordstrom Visa (the Nordstrom one has received great reviews on this site, and has one of the lowest APRs available - even compared to non-store cards).

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Guest: TomfromCT
Credit Expert (100+ Posts)
Posted: Tue Mar 28, 2006 3:53 pm

I roll with the home depot card as my only store card.

I get jiggy wit da depot fo da specials.

Tom Out
_________________
Average credit score: 709 !!!!!!

WOOOHOOOOOO

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Guest: bullet875
Posted: Tue Mar 28, 2006 5:06 pm

I have Old Navy, Kohl's, and Home depot.

Old Navy and Kohl's helps to dress my kids nicely but cheaply with their specials, and HD helped me to fix my house up.

However, when Lowes opens in our town I want to get a Lowes Project card so that I can redo my kitchen.

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Guest: GR77
Posted: Tue Mar 28, 2006 5:40 pm

HomeDepot, Sears, Walmart, Target.

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Guest: EnchantMe
Posted: Tue Mar 28, 2006 7:09 pm

Home Depot, Target, Victoria's Secret, Kay Jewelers

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Guest: stevejk
Credit Expert (100+ Posts)
Posted: Wed Mar 29, 2006 9:38 am

TomfromCT wrote:
I roll with the home depot card as my only store card.
I get jiggy wit da depot fo da specials.

I shop occasionally at Home Depot (being a Tony Stewart fan ) but haven't thought of getting the store card. Do they offer many good specials for cardholders?

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