While I remain in the garden, I did briefly consider apping for a fairly unnecessary card today. To make the sin worse, it was a card I would have had only a slim chance of getting. I do give myself credit for examining the decision carefully and finding a better solution, but I am still guilty of wanting to leave the garden prematurely for a bad reason.
I wanted to get a new belt. I've had belts from Brooks Brothers and LL Bean, and while the BB ones look great, it's the LLB ones that are far more durable, look about as nice, and are also a lot cheaper.
But then the thought hit me - I had never seen LLB listed among the ShopRunner participants. Would I have to pay for shipping? As many of you know, I like free shipping.
And then the sinful plan entered my mind: I could get an LL Bean / Barclaycard Visa and probably get it that way!
Some of you might be wondering, "Why would CarefulBuilder14 do that? He wants an Arrival+ in a few months. Doesn't he know that Barclaycard likes to make people wait about 6 months between cards? He'll wreck his FICO (a little) and get denied for both cards when he could just pay a few dollars to get his freaking belt!"
And yes - for a few minutes I seriously considered getting the LL Bean Visa instead of staying in the garden.
But I found an old review here http://creditcardforum.com/visa-mastercard/1048-ll-bean-visa-credit-card-pros-cons-exposed.html
that said LLB had ended that as a card perk and that all customers now got free shipping.
I confirmed this on the LLB website. Everyone gets free shipping there - regardless of having the right credit card or ShopRunner!
I looked more at the terms of the card - it gives 3% in coupon rewards for purchases at LLB and free monogramming. ShopDiscover gives at least a base 1% plus a 5% LLB bonus - and it probably also qualifies for the 5% online shopping rotating category instead of the 1%. So that would be 6% or even 10% in liquid rewards vs. 3% in illiquid rewards.
I guess if I wanted monogramming, or to buy more stuff in-store, then the LLB card could be good. Other than that, I don't see any appeal of it.
I'm glad LLB has their universal free shipping policy, and glad Discover gets me a little extra savings online. But I am disappointed at Barclaycard for not doing something to sweeten the appeal of what has become a nearly-useless card for prime customers.