Is the King Size credit card bad for your credit score?

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Is the King Size credit card bad for your credit score?

Postby ironman » Thu May 23, 2013 12:01 pm

Unless you are a big and tall guy I don't expect many here to have heard of this place. I was wondering if it's a bad/good for your score to have a credit card from King Size.

They are only an online store with no physical locations from my understanding. Does that make it less appealing in the eyes of anyone who would view my credit report. Like a mortgage broker or if I was being evaluated for a car loan. I want to know if this is a good thing to have for someone with fairly average credit who wants to achieve a better score within the next 6-12 months and qualify for reward cards with more general appeal.

It is useful for birthday coupon and some others sent on occasion. The only thing I dislike about the King Size credit card is that it can only be used online at their website.

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Postby Sevenfeet » Thu May 23, 2013 3:56 pm

I have heard of King Size. My mother bought me some blue jeans from them in the 80's by mail order. They were so awful I sent them back and I don't think I ever purchased from them again. Of course, that was nearly 30 years ago.

Basically their credit card is a store card, much like you'd see a number of retail stores. And just like Macy's JCPenney or anyone else, that card is only good at that store. But it does show up in your credit report and if you pay it on time and utilize it well, it can lead to other credit being extended to you, like a mainline credit card or a car loan.
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Postby CCG » Fri May 24, 2013 4:00 pm

If you find the coupons useful, then keep the credit card from King Size around. It will NOT be bad for your credit score as long as you keep your credit utilization low (the percentage of your credit limit that you use). As with any card, I would recommend trying to stay below 20-30% of card's limit at all times.

If you want a major credit card with more benefits and possibly rewards, I would recommend you try out this sponsored tool. It will quickly tell you if there are any card offers you pre-qualify for.

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